Homeowners

Make a Payment

Homeowners who have collection files placed with our office can make or schedule payments online using a credit card or electronic check.

You must know your Matter ID number in order to correctly process this transaction. The Matter ID is a seven digit number that is used to identify your account (Ex:0000-000) and can be found on any correspondence received from our firm. If you do not know the Matter ID number, please contact our office.

NOTE: All settlements and payment arrangements must be expressly approved online, by e-mail, or in writing by a representative of Orten Cavanagh Holmes & Hunt. Making a payment or making a settlement offer will not establish a payment arrangement, nor a settlement arrangement, nor a settlement in full, without the express approval online, by e-mail, or in writing by a representative of Orten Cavanagh Holmes & Hunt, LLC.

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You live in a covenant controlled community. Now what?

What Is A Community Association?

A community association is a group of owners who wish to provide a communal basis for preserving, maintaining, and enhancing their homes and property. Membership in the community association is mandatory and automatic for all owners. Certain documents bind all owners to be governed by the community association. These documents require mutual obligations to be performed by the individual owner and the community.

What Is The Purpose Of A Community Association?

A community association exists to provide for the governance to maintain, enhance, preserve and protect the property values and assets of the community. It does this through the establishment of a system of property rights, binding covenants and restrictions, and rules and regulations.

What Are Your Obligations As A Homeowner?

As a property owner in a community association, it is your responsibility to read and understand the community’s governing documents.
These documents include but are not limited to:

• Recorded Map, Plat or Plan.
• Declaration of Covenants, Conditions and Restrictions also known as the CC&Rs or Declaration
• Articles of Incorporation
• Bylaws
• Resolutions, Policies & Procedures
• Rules and Regulations

Homeowners must follow written rules. When you buy a home in a covenant controlled community, you are essentially agreeing to these rules.

A homeowner must pay fees and assessments. An HOA almost always requires monthly, quarterly or annual fees to cover the cost of repairing and maintaining community property.

Get involved! Regularly attend the association meetings, volunteer as a board member or on a committee, and work with your neighbors to get interested in the governance of your community.

What Are The 5 Most Important Things To Consider When Buying A Home In An Hoa?

When purchasing a home in an HOA, there are many things buyers consider before placing an offer on a home. Below is a list of the top 5 things to consider when buying a home in an HOA.

• Financing. What are you approved to borrow? Get pre-approved before you start your search. Get the approval in writing. The approval should be from the lender that would make the loan, versus a broker or a lender which tells you it looks like you could get the loan.
• Neighborhood and the HOA. Seek to buy in a stable or improving neighborhood with a financially strong HOA. If the HOA is just getting started consider risks to you if the development stalls. Become familiar with the HOA. Check its balance sheet and website (if any). Does the HOA have assets? Check out the HOA to see what its purposes and services are. Review the restrictions, covenants and rules you are to comply with. Look at a few homes in the community and decide if you are comfortable there. Watch out for incurable location defects–like railroads and nearby smells, noisy freeways or streets, property that backs to nearby parks and shopping.
• School quality. Even if you don’t have children, consider the impact on resale market where public schools are of poor quality. Market value appreciation will also be held down. Contact the local school district. Be wary if less than 75% of high school students graduate high school in 4 years. Useful tools to determine if the neighborhood is located in a good school district are Coloradoschoolgrades.com and GreatSchools.
• Price. Check for comparable sales in your neighborhood/HOA of choice. You can do this on the internet (Zillow or other websites) and/or with your real estate sales person. By adding or subtracting value for pros and cons, you can arrive at an informed purchase price.
• Physical condition. Once you find a home you would like to buy, make your purchase offer contingent on (1) you and the home qualifying for a loan and (2) your approval of a professional inspection of the home. Join the inspector during the inspection. Then you can discuss defects discovered and their repair cost. Consider an energy audit and specialized inspections depending on the home and location.

Frequently Asked Questions