When applying for a mortgage loan, the HOA fees affect the amount you can borrow. HOA fees are counted in the overall housing expense just like taxes and insurance even though you will pay them separately. Because of this, you will qualify for a greater loan on homes with no homeowners association than on homes with HOA fees. Depending on the HOA fees, they will need to be paid monthly, quarterly, semi-annually, or annually. It is the Seller's responsibility to disclose to buyer the HOA Fees, frequency, and HOA contact information when purchasing a home. HOA information is also entered in most Multiple Listing Services (MLS's) throughout the state of Arizona so buyers know the info upfront.
Whether or not you are interested in buying a home that is governed by a Homeowner's Association (HOA), a list of the those subdivisions within the Santa Cruz County, Arizona area are provided herein.