Well, I'll answer your question in a Brooklyn-centric manner, since it appears that's where you're from. While condo home owners' associations are the norm in places like Florida, in NY there is the condo board and the offering plan, which lays down the rules and functioning of the building for the most part. New ideas or rules are voted on. So don't worry, you'll be fine in NYC with no home owners association-- there's a condo board and if you want, you can usually find a place on it.
Want an agent who rebates you 10% of the commission at closing? That's me. For example, on a $500,000 property with 2.5% to my co., that's a $1,250 rebate.
Sr. Vice President