This brochure focuses on questions frequently asked about purchasing and owning a townhouse or condo. What are homeowners’ associations (HOA's)? What are my responsibilities as an owner of a condo or townhouse? What are the developer’s responsibilities? These are some of the subject areas addressed. The reader is cautioned however that the legal aspects of condo and townhouse ownership are too complex to be treated in detail in this brochure. Therefore, prospective purchasers and owners of condos and townhouses are advised to consult their attorneys for specific guidance. In addition, for more information on restrictive covenants, homeowners’ associations and HOA dues and charges, see the Commission’s publication, Questions and Answers on: Subdivisions and Planned Communities.