Things to Know about HOAs (Homeowners Associations) and Painting your House
Most HOAs (Homeowners Associations) are friendly. Most will clean your streets, trim your trees, build tennis courts and let you paint your home any color you choose. A few, however, have more prohibitive regulations.
In fact, some HOAs will require you to hire an approved, HOA-contracted painting company. Others limit your color choices to six or seven mass-acceptable neutrals, and if you desire a different color, like a creamy yellow, you must navigate your way through approval channels: submit paint swatches, list manufacturer guarantees, attend board meetings and whatever else they require.
Special restrictions may apply. If a nearby house has a similar color, then you must choose something else. Some HOAs specify exterior paint choices by body, trim, garage door, front door and special features. Also, HOAs may regulate the application as well as the selection of paint. These special restrictions will be stated in the Master Deed and By-Laws of the Association. Both documents should be publicly accessible.
If you shirk the approval process and paint your home without approval, then the HOA can force you to comply. If you refuse, the HOA may place liens to encumber your property, and those liens may escalate.
Document everything. Some HOAs will demand evidence of original color approval if a neighbor complains, and if you don't have the proper document, then you may be forced to repaint your home.
Fortunately, most HOAs don't care what color you paint inside your house. You'll find, hopefully, that most are reasonable if you want a different exterior color. If you're having trouble getting approval from your HOA, you can call a professional painter to help you. They should have some ideas to lighten your burden.