Buying a house is the biggest investment most people make. It’s a complex process that involves many important decisions—from choosing the right neighborhood and mortgage to negotiating and signing a home purchase contract that includes adequate financing, inspection, and other contingencies. Finding a good real estate broker is key to the entire homebuying process. And if you’re one of the millions of people buying a new house in a planned unit development (PUD), it’s crucial that you understand the important role played by homeowners’ associations—and how to deal with problems that may come up along the way. What if you’re late paying your association fees? What if you object to new association rules? People buying a condo, townhouse, or co-op in a common interest development (CID) face similar issues when dealing with community associations that oversee these properties.