I am not sure what’s the fuss is about. The CC&R should clearly have the house colors and schemes spelled out. I am not sure how the HOA can reject your request if you go by what’s in the CC&R. My understanding is that what’s in the CC&R is “legally” binding, the rest of the noise from the HOA reps and whatnots are just their effing personal opinions. If the color and scheme you picked came straight out of the CC&R then push back nicely using the CC&R as the basis for your argument.