1. Get Pre-Approved for a Mortgage

• Know your budget and borrowing power

• Understand how down payments and interest rates affect your monthly costs

• Ask your lender if they finance condos, especially non-warrantable ones

2. Understand HOA Fees & Rules

• Review monthly HOA dues and what they cover (e.g., water, trash, amenities)

• Ask for the CC&Rs (Covenants, Conditions & Restrictions)

• Learn about pet policies, rental restrictions, and renovation rules

3. Choose the Right Building

• Consider location, amenities, noise levels, and building age

• Check the number of owner-occupied vs. tenant-occupied units

• Research the HOA’s financial health and maintenance history

4. Prioritize Lifestyle Fit

• Do you want a quiet space or a vibrant, walkable neighborhood?

• Is parking, a gym, or in-unit laundry a must-have?

• Think long-term: Will this condo suit you 3–5 years from now?

5. Work With Me!

• Condos involve different rules, forms, and inspections than single-family homes

• Choose someone who knows the local condo market and HOA landscape

• Ask about building-specific risks like litigation or deferred maintenance

6. Review All Disclosures Carefully

• Budget, reserves, recent assessments, and future planned projects

• Any current or pending lawsuits involving the HOA

• Special assessments (past or upcoming)

7. Schedule a Home & Building Inspection

• Even with newer units, get an inspection

• Inspect shared systems (roof, plumbing, HVAC) through the HOA or seller

• Understand what repairs you’re responsible for vs. the HOA

Other Notes:

• Factor in property taxes and insurance for your monthly budget 

• Visit during different times of the day to check the community vibe