Resale/Refinance Documents and Association Questionnaire

While most of the documents your mortgage company will need are posted somewhere on this website, either below or under About River Oaks, Rules & Policies, or Contact Us/Insurance.  However, the Association Questionnaire must be obtained via HomeWiseDocs. All other Association documents are also posted on Home Wise Docs, but there is a fee for each document.  The requester must create a free account to obtain the documents if the copies on the River Oaks website are not acceptable to the mortgage company.

FHA-HUD Approval

Download
2017-2018 FHA Approval.pdf
Adobe Acrobat Document 486.4 KB

Articles of Incorporation

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River Oaks Articles of Incorporation
Defines the River Oaks Condominium Association, Inc., including the purpose and objectives of the corporation, the corporation's powers and duties to carry out the purpose and objectives, the scope of membership, and the manner in which the corporation is to be operated.
RO Articles of Incorporation.pdf
Adobe Acrobat Document 209.7 KB

Declaration

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River Oaks Declaration - Excel Cross Reference
Declares the creation of the condominium and defines the boundaries and establishment of the entire property and the latitude and longitude of each section of property. Pages 324-328 are the original Architectural Rules and Regulations.
Declaration_xls.pdf
Adobe Acrobat Document 89.3 KB

By-Laws

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River Oaks By-Laws
RO Bylaws.pdf
Adobe Acrobat Document 1.5 MB

Insurance Documents

Updated Declaration - effective 07/2017 to 07/2018

 

The difference between an HO6 condo policy and a homeowners policy is that the homeowners policy provides coverage for the entire structure of the building.  When you own a condo, the building’s structure is covered by the master condo policy.

 

You should have a copy of your own HO6 policy or you should ask your insurance agent for it.

 

If you need a copy of the River Oaks Master Condo Policy, you can find it on this website under Contact, Insurance Company

 

If you are financing or refinancing a mortgage or Home Equity Line of Credit, contact Deborah Dickerson, Agent for River Oaks account, CNR Insurance, Inc., 166 West Street, Annapolis, MD 21401-2824, Telephone:  410-897-9890 x225, Fax:  410-897-5957; deborah@cnrinsurance.com or http://www.cnrinsurance.com/ and she will provide you and your lender with certificates of insurance and proof of coverage required by lenders and banks.  The lender wants to see documents showing the name of the condo's insurance company, policy number, effective dates, amounts and nature of coverage on the building, number of units, borrower’s name, property address, full mortgagee clause, and loan number. Erie's certificates satisfy all of those requirements.