How Homeowners Associations Took Over American Neighborhoods

More than 80% of newly-built single-family homes sold in 2022 belonged to an HOA, according to the U.S. Census Bureau. HOAs tout themselves as a value-add to homeowners, specifically when it comes to maintaining high property value, but not everyone is pleased with HOAs. Fifty-seven percent of homeowners surveyed said they disliked living in an HOA with more than 3 in 10 homeowners saying they feel like the HOA has too much power.
Chapters:
00:00 - Introduction
01:06 - One HOA experience
05:46 - Benefits of HOAs
08:18 - Power dynamics
Produced, Shot and Edited by: Charlotte Morabito
Additional Camera and Color Correction: Mark Licea
Editorial Support: Juhohn Lee, Jack Hillyer
Animation: Christina Locopo
Supervising Producer: Lindsey Jacobson
Additional Footage: Getty Images, Jewel Inostroza, Jessica Navas
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How Homeowners Associations Took Over American Neighborhoods

[@djp1234]

How is HOA not tanking home values? Who in their right mind would want to pay money for some Karen to tell them how to live? Sounds like a living hell to me.

[@travisalexphoto]

Other Karen's and people who work for the HOA.

[@chiquita683]

Because some people dont want a homeless shelter built next to their home or low income housing so their cars are broken into every night

[@user-hs4dm9xq5e]

(american) white people. Otherwise the neighborhood would look something like in Mexico but with good roads. Not bad I'd say but hey

[@desi8]

I had the same mindset before I started owning properties. you will get there lol...

[@dennispellock2359]

I have always lived in homes with no HOA. Never been a problem with those said issues. Most cities have ordinance enforcement that will take care of major issues like unkept homes or abandoned cars. People who support HOAs are just fear mongers.

[@jer1776]

There should definitely be more laws regulating HOAs.

[@SirEricArthurBlair]

The only law regarding HOAs should be the law that outlaws them. They are contrary to freedom.

[@jer1776]

@@SirEricArthurBlair I see them as a necessary evil in places like condos, but detatched family homes, definitely not

[@Daveyjonesvi]

@@jer1776this is the correct take

[@LBroili]

Lobby your state legislature. The federal government will not intervene.

[@ryand7713]

I can sort of agree with this - but you are also making a choice to live in one. I know many cities (Phoenix, LV, Cali) it's DIFFICULT to not be in one, but it can be done.

[@CameronFussner]

The issue is that either the renter or the owner must in some way pay insurance and property taxes if they want a "permanent roof" with utilities like electricity, gas and water. Because of this, many people-at least in California, where I currently reside-are living in tents. No taxes, rent, mortgages, or insurance. The number of people who tell me they live in their car that I meet amazes me. Its crazy out here!

[@fadhshf]

I get such worries too. I'm 50 and retiring early. Already worried of the future and where its headed, especially in terms of financies and how to get by. I'm also considering making my first investment in the stock market, but how can I do so given that the market has been in a mess for the majority of the year?

[@LucasBenjamin-hv7sk]

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[@parrish8386]

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[@LucasBenjamin-hv7sk]

I won't pretend to know everything, though. Her name is Melissa Rose Francks but I won't say anything more. Most likely, you can find her basic information online; you are welcome to do further study.

[@leojack9090]

Thanks a lot for this recommendation. I just looked her website up, and I have sent her an email. I hope she gets back to me soon.

[@David-yy7lb]

I bought my home in 2019 in a neighborhood that was built in the mid 70's and no silly HOA however I heard from my neighbor that some people were going around the neighborhood taking votes to bring HOA and he told nearly all the people voted for NO HOA 😊👍🏿

[@sarysa]

Question: Can a house with no HOA at time of purchase get sucked into a new HOA they voted against? Or are they grandfathered in?

[@aberod11]

​@sarysa I would pray and hope that they would be grandfathered in and NOT have to be part of the HOA. However, I'm pretty 100% damn sure that the newly established HOA would give the homeowners of that grandfathered home an extremely hard time and would be a pain in the ass about it. And then you'd have the other homeowners/neighbors in that community complaining about why they are required to be HOA members but not the grandfathered home.

[@aaawac2174]

​@sarysa No. There have been times where an HOA has popped up and tried fining people that aren't part of the HOA and it's always ended up in court with the HOA normally getting disbanded.

[@Lilypoo621]

If the HOA moves in after you, they cannot force you to join. I have a number of family members who have had HOAs move in and try to strong arm them. When the HOA took the to court, the judge said the HOA had no standing.@@sarysa

[@MR..181]

How trump stold back what he sold .hoa director fees fines and lawyers..? Management..

[@DiamondDazzle]

My father in law got on the HOA board when they moved to AZ. When my husband and I visited them we took a walk. My husbands mother made a big deal because some man had his garage door open. I asked her what the big deal was. She said , well, burglary. I said that's his problem. What she really meant is that everyone was supposed to have the doors closed. For a uniform appearance. I think board members are people that need their little bit of power. I'd NEVER live with a HOA

[@missyk1477]

What is really means is that your in-laws like the power and control that come with being on the HOA board.

[@mencken8]

We live in an HOA and are quite happy here. Your anecdote does not characterize all HOAs, any more than one swallow makes a summer. If somebody wants to live as they please (which, of course is impossible) they should live in the mountains and eat grass.

[@laser__unicorn]

@@mencken8Found the HOA Karen lol

[@okidoke4822]

"uniform appearance" THAT is what I find ugly about so many of these places.

[@mryou3250]

I say shut your garage door…nobody wants to see a known ghetto nosy body door breather across from them…that’s been a long going ghetto associated human function .

[@MrsMathews]

I had no idea that HOA’s had the power to garnish your wages or foreclose on your home over petty fees. That’s horrible.

[@oldtwinsna8347]

Hell, they were doing that during COVID when landlords and banks were forbidden from doing so. HOAs had no such exemptions from foreclosing.

[@HighCrimesMisdemeanors]

They have to get a judgment then a court order to be able to either garnish wages or place a lien on your home. Its not just the flick of a pen. The couple claiming they knew nothing are hiding their ignorance and failure to respond to a long stream of notices from the HOA.

[@news2hedz227]

@@HighCrimesMisdemeanors maybe, maybe not. Regardless, their entire neighborhood was underwater. That was likely a very corrupt HOA. Nice try blaming the victim tho. 👌

[@orlinchirinos1981]

HOAs are evil 👿

[@susanmusleh1]

And lie, cheat and pocket HIA dues not cashing checks which were delivered like 38 years. That sends paying homeowners into foreclosure. It almost happened to me. In addition lost a home sale due to repairs not being done to decks, which are due was raised for for 3 years.

[@jonathansoto9815]

I could never live in a HOA. Many people I know live in HOA housing and usually don’t have any problems, but it’s the lack of control over your own home is the issue. One of my coworkers wanted a privacy fence, turns out she can’t. The other fell in love with a certain color shingles for her roof, turns out the HOA wouldn’t allow that color. It’s little things that can add up, and while your current HOA is fine and dandy, things can always take a dramatic turn for the worst. I would and will always vote against HOAs. I love that I can do what ever the hell I want to do to my home.

[@hkiajtaqks5253]

Also HOA fee is not fixed. It can keep increasing with time/inflation.

[@MR..181]

Perpetuitys were illegal and invalid..

[@benwagner5089]

As people were saying in opposition before the Revolutionary War, "Why would I exchange one king living 1000 miles away for 1000 kings living one mile away?" Instead of kings, though, now we have HOA board members.

[@neilkurzman4907]

The recent you’re complaining about is the reason that people want HOA what’s the color roof that she wanted pink with purple polkadots? Some people like to live in the communities without somebody expressing their artistic values on their house. They want you to cut your lawn regularly and not park cars on the lawn.

[@neilkurzman4907]

@@hkiajtaqks5253 HOA fines and fees don’t change their part of the bylaws. You can ask what they are before you move in.

[@personified5102]

Live in a rural area and we do not have an hoa. This past year we had someone that came up and asked if we would like to start a hoa within our community. They ended up having the cops called on them and were arrested for stolen mail in their vehicle.

[@MR..181]

Another bonus of hoas..

[@seaneaston3062]

"No HOA" is a huge selling point for real estate listings. We specifically bought our house because it was NOT in an HOA. Our neighborhood is cool because every house is different and most owners take pride in maintaining the neighborhood. We don't want to pay $200 monthly to a faceless company to manage our landscaping. We'll look after it ourselves, thank you.

[@skeetrix5577]

hell yeah but I think the problem starts with the developer because when they build a subdivision I think they're the ones that decide, initially that is, if that development is going to have a HOA or not and it wouldn't surprise me if the builders and developers are in bed with the HOA companies so it becomes not about doing what makes sense but what makes more money and getting hundreds a month out of people's homes for as long as it's standing so that's a massive incentive to encourage the requirement to start a HOA in new development it's a scam

[@itsrobloxhere]

But one can easily form in your neighborhood

[@sunshineimperials1600]

@@itsrobloxhereYeah, and you don’t have to join a new HOA if you already live that neighborhood.

[@itsrobloxhere]

@@sunshineimperials1600 i believe you are required to join if one forms in an existing non-hoa neighborhood, not sure tho

[@sunshineimperials1600]

@@itsrobloxhere I think in all cases your current property will not be required to join a HOA.

[@georges.7683]

So many real estate listings make it a point to say "NO HOA" when applicable. Obviously "NO HOA" is a selling point.

[@streamofthesky]

Unfortunately, there can STILL be HOA covenants on a "no HOA" property, as long as there's no HOA fees. I tried my hardest to find a lot w/o an HOA and the best I could do was one w/ a few basic covenants of varying annoyance.

[@CC-si3cr]

NO HOA means nothing. I looked @ buying an apt in DC. It was about $300k. That price left me extra money to redo the kitchen. Then I read about how the elevator needed to be replaced in the bldg. Obviously it was an older bldg bc it's east coast city living. Basically, everyone in the bldg was going to have to pay $10,000 a piece to replace and install a new elevator. Homeownership isn't for everybody.

[@chiplangowski3298]

That is why, as mentioned in the story, non-HOA properties increase in value faster than HOA properties. An HOA property may cost more when built/first sold, but gains value more slowly due to less appeal to future buyers.

[@Jazzman4824]

​@@chiplangowski3298largely cause people want to make their house, into their home. Not into a corporate white washed investment

[@thanosianthemadtitanic]

​@@CC-si3crthat's extremely ironic

[@genesisg7022]

My wife and I purchased our house in 2001. We refused to consider one that had a HOA! HOA is like living in an apartment, someone telling you what you can and can't do with your house!

[@cheezykrafts8134]

My HOA decided to reseal the roads in our neighborhood with no notice. We do not have sidewalks, so there was literally no way to get to the main road without walking over people's lawns and driveways. I was post surgery, temporarily disabled, and could not handle the ups and downs of curbs. I called and they told me to get a friend to help me since they trapped me in my house. I should have called the Office of American Disabilities for them trapping me in my house when I had to work.

[@human151]

We are basically giving control of our homes over to a corporate board staffed by Karens. How are the American people allowing this? We’ve definitely gone soft.

[@MAGAMAN]

Look what happened to the 2020 election. Is it really a surprise people are this lazy and stupid? There was a time these people would be tarred and feathered for these kinds of actions.

[@ObakuZenCenter]

It's the nature of neoliberalism and olicharcy. The US is an oligarchy, with both of the state approved political parties owned by the same corporate donors.

[@ShaferHart]

Problem is many houses in the nice areas are already under HOAs. You either buy into them or kick rocks.

[@jhonnybhai]

The city administration allowed the HOA so the city doesn't have to maintain roads, sidewalks, drains, cleaning etc. and still collect the property tax

[@dominosnostradamus2415]

Ban HOA

[@lars3283]

As soon as I find out a home is part of an HOA, I immediately lose interest in the property. Why would I to live in a community that tells me what color I am allowed to paint my house or what kind of pets I can own? It's ridiculous. Imagine spending half a million dollars for less freedoms than you have when renting.

[@thanosianthemadtitanic]

don't forget yearly inspections and people going into your backyard uninvited. It's like do you even own your house anymore? sheesh

[@SVURulez]

And also why would you want to live in a neighborhood where your neighbors are the types of self-important busybodies who want an HOA.

[@tammyicious]

Good point.

[@KenGud]

Sucks, but also some cities/counties have limits on pets. :( I’m apparently at my max of two dogs and a cat

[@ThirdCoastGems]

You would be a trash neighbor I bet.

[@OurOklahomaLife]

When we sold our last home in Dallas in 2021 our realtor specifically listed "No HOA" as an amenity. She told us that 65%-70% of her clients ask to see only listings with no HOA's. We had a contract 12 hours after listing our home for full asking price.

[@blaiset.5552]

Bought my house in a non HOA neighborhood. Even though I didn't know how bad were HOAs, I just didn't feel like giving away control of my property to someone else. Now seeing that they can drive you to foreclosure makes me happy to not living in one of them. Looks like what happens with Co-ops.

[@JohnnyLally]

I bought a beautiful first floor condo in 2013 as my first home. Lots of really cool older folks lived there. Even older residents sat on the board and kept re-electing themselves regardless of what the bylaws said. I’m a USMC vet and the rules said I could fly a flag. I chose a Marine Corps flag and was promptly sent a photo of my balcony with said flag and a warning to remove my flag as it offended other residents. My neighbors above and next to me asked why I took it down and I showed them. They insisted that I fly it again and started paying my fines for me while raising hell with the board. Long story short they rallied the other residents up and got me elected as Vice President of the board which in turn gave me more leverage to get a couple other younger residents on it. We removed them, found out they stole a bunch of money, the courts seized their units and we changed a bunch of rules and made it a fun place to live.

[@nioxa5421]

Awesome!!!!!!! 🎉

[@amylee9]

good for you, but what a massive hassle to deal with it

[@ceedee8953]

Excellent!

[@DB-115]

Thats awesome

[@nah6730]

Turn this into a movie, ty

[@bluejedi723]

I'd rather pay an extra $500 a month on my mortgage payment to NOT BE part of an HOA than deal with HOA BS

[@fgregerfeaxcwfeffece]

From everything I have heard so far. Not just this video. That should be a lot cheaper on average. So not really a sacrifice.

[@donquijote6030]

Amen!

[@memecat84]

Who pays people to dictate how they prefer to live … I feel bad for idiots who put themselves in the crosshairs

[@a.m.doesit9347]

thing is depending where you live its difficult to find homes that are not part of an HOA.

[@EroticOnion23]

"You will own NOTHING and be happy (or else)"!!!

[@hkiajtaqks5253]

Need laws to restrict HOA powers. Also, force cities and towns to allow both HOA and non-HOA new constructions. Free market and choice is important.

[@mrphalysir]

I was going to buy a condo, and when I found out that the HOA dues were $800/month, I backed out immediately. It was cheap for a reason.

[@b.b.s7545]

800 a month is crazy. I'm gonna end up buying a condo. But hell no for an extra $800 a month

[@MR..181]

Somebody had to cut that 1' by 1 foot yard..?

[@hectorgonzalez5030]

People obsessed with property values are the type of people you don't want in charge of an HOA

[@tw8464]

Exactly nailed it

[@sitixp6262]

100%

[@cariwaldick4898]

Actually, if they're interested in property values, I don't have a problem with them. What's criminal, is when they're interested in forcing some owners out, nit-picking about aesthetics--like mailbox color, landscape plant choices, solar panels, flags, and decor, and trying to foreclose on homes. When they're interested in FINEING owners, rather than helping the homes keep their value, that's a problem. When they're interested in making profits, that harms property values.

[@user-ek6it2zk8j]

​@cariwaldick4898 that's every HOA and that's why HOA sucks period

[@cariwaldick4898]

@@user-ek6it2zk8j I'm not disagreeing with you, but HOA's could have a use. What needs to change, is their complete lack of oversight, regulation, transparency, and grievance resolution. They should NEVER be allowed to take someone's house. They should rein in their profitability. If we're required to be in them to buy a new home, they should have some SERIOUS limitations on what they can and can't do.

[@Reggieprince6363]

I lived in An HOA years back and i can tell you I hated it so much. The lady was right it’s like signing over your rights. You’re essentially letting people who did not contribute into buying your house have full power over what you with your own property. From what color your house is to what sign you have in your yard or windows or where your trash can is sitting it’s crazy.

[@karlabritfeld7104]

There's a good reason you're not there anymore. They don't want people like you.

[@skataskatata9236]

The Land Of The Free. or is it?

[@user-ek6it2zk8j]

​@@skataskatata9236HOA is the problem not the country. I got no HOA and live just fine

[@nomercymanagement2316]

@@user-ek6it2zk8jit’s is a problem with the country. The law caters to these bully control freaks, not many places in this world would they enable petty low lives to abuse power in a HOA like this

[@DottyGreenee]

Well said

[@benwagner5089]

The arriving family is expected to pay the balance and late fees of the previous tenants, or at least when the house was sitting vacant? They weren't even THERE yet, how is that their fault? The residents tried to get in contact with the HOA for 6 YEARS and still hadn't gotten a response; when it goes to court and the HOA's lawyers hash out a payment plan, the HOA is ignorant of that plan. Why should the couple continue to pay monthly dues and fines to an HOA that doesn't even acknowledge their existence and actions? These people should have moved out the same day they moved in. Now, they may not even be able to find a buyer who would be saddled with the remaining balance that THEY would be leaving behind.

[@TKN13834i]

My wife and I recently bought our first home and the one thing we both agreed on was no matter how perfect the house may be if it is in an HOA we pass. Fortunately, where we live there are plenty of older neighborhoods without any of that BS. Everyone around us takes care of their home out of pride of ownership not because someone will fine you if your grass is too long.

[@neonshadow5005]

Our HOA just sent us a notice about a car parked illegally on the road, and said we would need to rectify this violation within 10 days. -- We responded by informing them there is no such car at our residence and that they should at least know who's house is who's and that we expect them to rectify this mistake within 10 days.

[@michaellim4165]

What was their response?

[@unreal.zombies288]

@@michaellim4165 ask again in 6 days

[@eden20111]

What was their response bch?

[@crazygirlfun1]

They're going to simply hit you with another fine. HOAs are money pits.

[@taylor1689]

Wow the same exact thing happened to me a few months ago! They sent a notice that I owed a fine and a picture of a car parked along the street but that car wasn’t even near my house! I’ve never seen the car before. I told them to remove the fine or send better proof, they removed it

[@FloridaLivingFun]

Many HOA board members "secretly" own the vendors that they use... lawn work, irrigation, concrete, pesticides, property managers, etc. There needs to be a law allowing residents to see the actual bids from vendors and a law that vendor affiliations need to be disclosed by board members and property management companies! It is the residents' money paying these vendors, but the bids are hidden from them... not fair!!!

[@douglee4268]

they need a part 2

[@embededfabrication4482]

there is a law, it civil court, you have to take them to court to force them to divulge their associations, it costs money and they can retaliate. HOA is a deal with the devel

[@tresboujay]

Accurate!

[@JoseAguilar-nc4lu]

That was the #1 thing when we bought our home, NO HOA!! It's Our home, not the communities

[@imnotbenavery9220]

My buddy works for a top 5 builder by volume in Michigan, owners are lawyers, they also own the company they sell the houses to if they haven’t sold in a year to rent them and not sink the value of surrounding homes. Regardless, they always maintain at least two residences in every neighborhood because they also run the HOA, two votes gives them automatic power to veto anything trying to be changed so they retain complete control of all aspects of the neighborhood. It’s disgusting

[@Ganzuri1023]

My wife and I are currently living in a hell HOA Community… We keep in mind that we are only leasing a unit there and are fully responsible for taking care of everything there. We both work 7am-5pm and come home to eat, shower, relax and watch tv. On some days we get home and go to church since I’m an active music player there. To make it short my wife and I are only home for a few hours. On our first week there, we got a “noise violation” because we were cleaning and painting the “Good Job” the management did. Somehow they listed 3 things. Loud Music, Slamming Doors, and Jumping?!?! We live on the first floor !!! And we had no music at all!! Then a month goes by and we get the same complaint… At this point we feel targeted by the community taking note that we are the only Hispanic Couple living there. We raised our concerns and it seemed to help for two months. Then two weeks ago a neighbor who, keep in mind was just opening his garage came out and told my wife if he could “leave” since my truck was pulling out and it’s a one lane road to get out. My wife was literally getting on the truck and his car was still in his garage without the ignition on!!?? How does that make sense ??? He wanted to say something… then he told us “Do you guys live here” ?? NO DUHH! and then he yelled at my wife pointing his finger in her face saying we can’t park in our driveway because it’s illegal and my wife told him to back off and then we just left. We sent a message to HOA and they never replied to our concerns. So then we put light bulb cámaras which keeep in mind are supposed to be camo cámaras meaning you can only know it’s a camara if you see it up close. 3 days go by and we see a neighbor causally standing outside our garage at 7pm!! The next day we get a message saying we violated HOA for cámaras !! We called and explained that we felt threatened and why it takes a violation for them to reach out right away ! They said we had two options… LEAVE OR FILE A POLICE REPORT !!!! How is this normal!?!?!? And to the ones saying HOA is not for irresponsible owners SHUT UP Because until you are in our shoes you will know why there are people who dislike HOAs…

[@dianajohnson9928]

Unfortunately, not everyone has the option of not having an HOA. I currently live in Hawaii, and to the best of my knowledge, all townhouses and condominiums have an HOA, and at the moment, that is all that I can afford. When I first moved in, the fees were reasonable. But now, it has gotten out of control. What I pay in monthly maintenance fee, would pay for a two bedroom apartment or even a mortgage on the mainland. To make matters worse, we do not have any kind of amenities that would justify the fees we pay. No swimming pool, rec center, or even a park for goodness sake. What really takes the cake is that we have elderly people who are on a fixed income, and this is not even taken into consideration. I now totally understand why we have so many homeless people here who actually do have a job. It's totally crazy.

[@benyosep5640]

I hear you. I lived in Maui, it was crazy.

[@dlouis1830]

Developers and CAI work heavily for these particular areas

[@Jc-ei7hz]

I was in a HOA community once. Never again. For a community that can tells me what I can and cannot do to my house they need to be paying my mortgage and taxes. Never never never buy into a hoa community.

[@teole6364]

Harder and harder to find non HOA nowadays

[@PAIDFOR50]

I live in an Hoa community. For 12 years and I like not looking at cars jacked up and being worked on in driveways, I like not looking at a school bus parked in someone's driveway. I like the fact that my nextdoor neighbor can't paint their house purple or pink. I like that my neighbors also can't let their lawn grow 4 feet tall. If you like the things I mentioned then your right an HOA is not for you.

[@omargjuarez1]

​@@PAIDFOR50don't live in the getto.....aaaand communisim never works

[@richardneilan2392]

If you don't want to live in an HOA you don't have to. It's as simple as that.

[@GrandTourHTX]

Unfortunately they're baked in to every neighborhood now.

[@drwisdom1]

Based on our previous home we told the real estate agent "NO HOAs!!!" It worked out great. Sure, my neighbors have big RVs and trucks, but that didn't stop our house prices from doubling.

[@davidb2206]

Those neighbors with big RVs and trucks, and CHICKENS, will be a Godsend for your family in the next Great Depression or WWIII. It can mean survival or not. The trucks can bring water or set up a defense perimeter. I love the freedom of my neighbors, and I keep my eyes on my own property, not on what they might or might not have. I literally don't care if somebody has THEIR OWN CAR up on blocks. We NEED mechanics in an emergency.

[@drwisdom1]

@@davidb2206 One day a bear went across our back yard, went to the neighbors, climbed a tree and dropped into their fenced chicken area. You should have heard the squawking.

[@JA-tr9ze]

Funny people are against trucks. I own a 2023 Ram 2500. It cost more then 90% of luxury cars out there that people like to show off. Cost more then a Tesla.

[@PodcastClips23969]

Can you say again so it makes sense ?

[@mountainbikerdave]

HOA resident "HOAs increase the value of the community" also HOA resident "I gotta warn ya, this ain't the type of neighborhood you might want to move into"

[@reviewsandstuff4447]

I owned a painting company. I had a new very nice Mercedes metris Van with a partial Wrap. They started sending me violation notices that i couldn't park the van in my own driveway, thats absurd. It was a huge fight and the drop in the bucket for me to move out to free neighborhood. The company is spectrum management in Texas. Nasty folks to deal with. Please never ever have HOA if you want freedom

[@splitraven7060]

We love metris and sprinter vans

[@NikonChicFL]

It’s crazy that vehicles with company graphics or with a ladder on the top are not allowed. I guess it’s unsightly. Smh….I guess that’s what the garage comes depending on the size.

[@jeffhucle6436]

Odd how they never stated the fact that HOAs were initially set up to manage watershed issues and nothing else. Either limit HOA authority or eliminate them.

[@LordSandwichII]

Like most things in America, they were born out of racism. They were created to ensure that no non-white people lived in a neighbourhood.

[@streamofthesky]

HOAs were originally set up to keep neighborhoods racially segregated. But they try to keep that hush hush, because then more people might question the historical value of such an institution.

[@CC-si3cr]

Watershed?

[@jeffhucle6436]

@@CC-si3cr you'll learn about it when you get into high school

[@bullrunready]

Somebody lied to you.

[@whiterabbit4606]

You'd think a country so bent on convincing the world that it is the land of the free would be the last place an HOA would take root.

[@smilecolorsan]

Exactly!

[@dustyramsey34]

Land of the free, home of unrestrained Capitalism and corporate lobbying.

[@thomaslong8448]

Land of the fees, home of the modern day slaves...

[@Xx-po1fu]

The man who wrote America's National Anthem was a slave owner for 43 years in the state of Maryland. It wasn't the land of the free, it was the land of slavery, that had 1.2 million slaves in 1814 when the anthem was written.

[@user-zf3xb3qx8w]

try trash: in LA you MUST use the same mafia outfit is you want to demo/permit/time frame. In Canada we call a one ton truck., lots of companies, and load up for the transfer station. Not in Free USA. NO, you can't. !! Surprise!

[@DEINFAMOUS]

I have told this many times. I had an HOA advise me that they had voted my property into their HOA and that I had 30 days to come into compliance. I sent a response that I was not part of their HOA. 30 days later I started receiving violation notices in my mailbox. I sent a cease and desist letter. A month later, I received a notice of intent to seize my property if I was not in compliance in 10 days. Two weeks later I received notice of a scheduled hearing. At the courthouse, the attorney for the HOA recognized me and asked if I represented the homeowner, and I told him that I was the homeowner. I told him that I was not part of the HOA and they had been advised of that in writing several times. In court, the HOA president told how I had ignored all notices and refused to pay fines. When it was my turn, I asked her how long the property had been a part of the HOA, she gave the date they had voted my property in. I asked her if she had membership documents signed by me. She said "No, you refused so we voted you in" The judge, and their attorney both said HUH ? ? ? I then asked her about putting violation notices in my mailbox and she said that was the only way since I refused to install a notice box at my garage door. I asked her if she realized that putting main in a US mailbox was a federal crime. She said "not in a HOA" I saw their attorney shake his head. The judge asked her how she thought that the HOA could vote someone in without their consent, she said the annexed the property according to their by-laws. I asked the judge for a judgment as a matter of law, and consideration of my counter-claim. The judge said "granted to both, state your counter-claim" I outlined my compensatory damages, and then asked for putative damages in the amount of $5000 per violation notice, and an additional $10,000 for the frivolous case. The judge granted $350,000 in putative damages, and just over $50,000 in actual damages for time, and earnings lost responding and researching their claims. HOA woman said that the HOA could not pay the judgement. I told the judge that I would accept the vacant 20 Acres of association property adjoining my property with the release of HOA claims. The HOA voted the next week to release the property and remove Caren (Yes her name is Caren) as HOA president. I found out that she wanted my property as access to the additional acres the HOA had purchased to build additional homes to sell. Subsequently, the members of the HOA voted to dissolve the HOA as without the additional anticipated acreage income, they could not continue to fulfill the HOA obligations. The entire neighborhood (save a few) is much happier with the HOA gone.

[@ddavis8988]

I personally have had positive experiences with HOAs. But i see and recognize that issues that are going on and they are valid. I definitely pay attention to what my HOA is doing. I go to meetings, I've talked to board members and the mangement company. I'll probably in this house another 2 years and then start renting it after i move. My new house will be a non-HOA. Specifically because i want to grow my own food in a greenhouse without fuss. Advice i would give, if its really an issue with your HOA, its more than likely an issue with others in your community, too. Get together and get active to make that change happen. It's easy to say no to 1 person. Not eaylsy to say no to 50 people. "Just don't buy in HOAs" is not useful advice to most people. For most people, its not realistic to buy 4 acres of land to the side where they can just do whatever. Most people are either already in an HOA or when they buy its an 84% chance it will be in a HOA. Thats the eay its gonna be. Cause liek they said in the video, local gov'ts want to collect the same or more taxes while doing half the job. That's not gonna change. They will keep trying to take more money and do less. Also, spend the time invesitsgint the home, the neighborhood as well as the HOA and local gov't.

[@MR..181]

Those voters make 4 acres non debted unusable in their debtor world...

[@MR..181]

Had dirt road neighbors before..no trouble..taxes were trouble anyway.. stone mason drive..

[@kylewilliams9907]

I learned pretty quick to NEVER, under ANY circumstances whatsoever buy property in one of these unconstitutional traps. I own my own property and as long as I'm not doing anything expressly illegal NO ONE has any right to tell me what to do or how to paint my door or anything of the sort.

[@kendallevans4079]

Sounds like a militia compound you live on

[@MrDCMiami]

Actually, they do if THEY create the by-laws, and YOU read them and buy there anyway. In doing so, you're accepting those conditions. Saying "they have no right" is an emotional response, not a legal or logical argument.

[@kylewilliams9907]

@@MrDCMiami cool bro. Then I'll build a giant pumpkin launching trebuchet and proceed to pumpkin pie every member. I guess you can't read? Literally says I'm aware of the trap and would never be stupid enough to buy property in one

[@MrDCMiami]

@@kylewilliams9907 I know what you said in your opening sentence. But it is YOU who can't (or refuse to) read: "NO ONE has any right to tell me what to do or how to paint my door or anything of the sort." They most certainly do, if you consent to living there!! Do you know the meaning of the word "IF?"

[@MrDCMiami]

@@GNMi79 Another dummy outs himself. They have that right for whoever chooses to buy/live there, and that's why he chose not to live in an HOA managed community. He contradicted himself.

[@MattTee1975]

I just moved to a neighborhood without an HOA - first time I've never lived under an HOA....it's bliss. States and counties love HOAs because it takes the burden of maintenance off of them - nothing will change until people start lobbying their local representatives.

[@jonsmith7659]

It won’t matter. None of us can afford to bribe politicians like corporations do.

[@joeshmooo5327]

Its bliss until your next door neighbor decides to paint his house Purple and Green while storing 6 inoperable cars in the drive way. Wow sounds like bliss.

[@Daveyjonesvi]

@@joeshmooo5327 I honestly would not care. Limiting what someone does on their property is stupid. Unless they are making crack let them live their lives happily

[@TwiztedMannix87]

​@joeshmooo5327 It's called freedom and the only people with that many cars own a big lot. HOA is just another form of segregation cuz you're paying extra not to have lower class living amongst them. I live in non-HOA and it's not like that. Plus there's laws about inoperable vehicles and uncared for homes, HOA is technically useless.

[@brysonwest93]

​@Daveyjonesvi of course! But what do you do when your neighbors let their house become pigstys?

[@Reason4Termination]

This is why I love living free on a farm land of my own.

[@Eli90210]

Thats true to a point. Like the man said you own your land. You still have to pay the biggest HOA in the world . The IRS! Nobody owns anything.

[@koenven7012]

In Belgium (and I believe there are similar systems in most of Europe) we have these kinds of associations only for apprartment buildings, where you have communal parts (like elevators, corridors, staircases, etc). If your building has more than 20 units, you are obliged to work with a professional service to manage it (called a Syndicus over here). These people then manage the building, make sure maintenance is done, etc. But at least once per year there has to be a meeting of all the home owners (and at least 50% of owners have to be present before anything can be decided) where the Syndicus has to show all the financial records (they are often checked up front by one of the home owners who volunteers for this), where the home owners vote on big contracts (the Syndicus can ask companies for offers, but it's the general meeting that decides), can dismiss the Syndicus and take another one. In certain emergencies they can take immediate action (like if the roof blows off during a storm, or a major water leak develops), but they still have to account for it in the general meeting afterwards. If we have rules for instance on how the property should look (and a lot of buildings do to keep things a bit uniform on the outside), these are decided at the general meeting (and only there) so every owner has the right to propose things and every owner can vote. If people are not following these rules, there is a process that has to be followed before any fines can be levied (and mostly it's not fines, but the Syndicus who contacts a firm to put things as they should and bills the owner who's at fault for the 'repairs'). Here they can actually make communal costs cheaper, as the firms that do this have multiple buildings so they can go to for instance elevator maintenance companies with a maintenance offer for 200 buildings and therefore get volume discounts (I had this once where the general meeting decided to follow the Syndicus' proposal for a switch in electric company because they did this and it came out 30% cheaper). But it's still the general meeting that has the final decision (although most often they follow the Syndicus if the new contract is cheaper). A syndicus also has to have a licence before he/she can act like one and if mismanagement is detected, that licence can be revoked. While there can be clashes between owners and even court cases, most of the things I've seen in the comments here and below other videos about the topic simply don't happen over here as there is quite a bit of law about what a Syndicus can and cannot do, and what the general meeting can and cannot do. For instance if you can't join the meeting, you can ask another owner to be your proxy and can even instruct said owner on how to vote on certain points (the agenda for the meeting is circulated in advance and only those points can be decided during the meeting).

[@aaawac2174]

See that's normal for apartment and condo buildings in the US too but the single family home HOAs are the biggest issue

[@AliSwanson1728]

NEVER buying a home with an HOA. Unless you're paying my bills, you do not get to charge ME & tell me what I can & cannot have.

[@Steven-xf8mz]

You pay taxes and you can't really tell what politicians should do either, nor do they care. lol. We all live under some form of rules.

[@stevebell4906]

Whiny Boy...Stop crying You signed that contract....not me and YOU Agreed to let someone tell you what to do...and if You didn't YOU have Nothing To Cry About...YOU just like to stick YOUR Nose in other peoples business and lives.... It is actually very simple ...Don't like it don't sign ...If you did sign...Stop whining !

[@seekittycat]

@@Steven-xf8mz Taxes fix the roads, clear snow, open libraries, give unemployment insurance, food banks, community centers, public school, homeless shelters, money to raise kids, and some healthcare. And HOA does...?

[@Steven-xf8mz]

@@seekittycat You don't know what HOA do, and you have the audacity to comment? LMAO! Do you think HOA is some sort of imaginary company that shows up and take your money and ran away? HOA is ran by the community at large, the money collected are tracked and spend, and retained balance are stored in a saving account as reserve for the community at large. Depending on the setup of your HOA; some of the things HOA could be paying are master insurance that covers earthquake, flood, and fire, road repair as it's privately owned by the community, water bill if water are not divided, common area such as gym, pool, club room, etc, building repair, organizing community events, coordinate with fire dept to make sure building and safety are up to code, deal with your bad neighbors, general cleaning, gardening, etc..... I would encourage you to understand what HOA do before you establishing a negative view toward it. If you still have the same perception after some research, then that's when I say people are entitled to different views. If you don't live in a HOA currently or have lived in one before. I would recommend you to reach out and find an annual financial statement, it would layout what the expenses are in general. The HOA often don't retain much after expenses, you may disagree with some of the expenses, and that's totally fair. The company that performs the daily tasks are often paid at fixed cost annually + administrative cost, the HOA boards don't make money as they're all voluntary. If you would like to know more in depth, you could run for a board. All I'm saying is I would encourage you to understand before forming a negative perception of something...

[@Daveyjonesvi]

@@Steven-xf8mzI mean yes but did you watch the video. Ofc not all but many people have issues with hoas. Even the stats at the end represented most people do not wan to live with a hoa

[@texanfournow]

I have lived in four homes with HOAs, all of them a pain. One of them had a woman on the board who helped herself to walk onto our properties, all the way to the backyards, to poke around and look for issues. And she lived across the street from us. What a nightmare! I called her our neighborhood Nazi. If you are looking to buy home, the first thing you should check is whether or not there is a HOA. If there is, don't buy!

[@TheGreatWasian_]

Is that not trespassing?

[@texanfournow]

@@TheGreatWasian_ Did not seem to stop her. She was a 5-foot chain-smoking nurse (so she said), like something out of a Tim Burton movie.

[@Shorty15c4007]

Most of the homes not in an HOA have terrible schools or are in the ghetto. So unfortunately unless you're open to moving to another city or state, you're stuck either renting or paying an HOA. Here in Florida, we're lucky if they don't have a CDD fee. Finding a home not in a HOA and in a good neighborhood means you're going to overpay for an old house or move somewhere in the middle of no where.

[@woodrmp1]

@@Shorty15c4007yeah, or, how about this, have proper municipal bylaws in place that prevent people from their homes become a dump. This HOA/Ghetto thing seems like a uniquely American issue

[@Shorty15c4007]

@@woodrmp1 It would be nice if voting worked, but whats the point if money talks and lobbyists can bribe the person voted into office? Everyone is corruptible in this system and the working class doesn't really have a say in the matter. Seems like you're either lucky enough to snag something during the pandemic, or you're stuck in the aftermath with homes being sold for 3x what they were worth in 2019.

[@meeky0420]

When purchasing my beach home, I was surprised that there were no HOA in most beach front communities.

[@Peppermon22]

Hoa is like living with a land lord telling you what to do. I’ve had land lords fine me for my kids playing outside.

[@2jsanc681]

Definitely one of my requirements when purchasing my first home was NOT being on an HOA

[@vaderladyl]

Me as well. No regrets.

[@Splenda2021]

I just moved to get out of a nightmare of a HOA

[@dianegreen1937]

Yup.

[@rhondawest6838]

I've been house hunting and I've noticed some sellers are getting sneaky about the neighborhood being in an HOA. If it says something like "covenants are in place to protect your investment" it just means HOA, or POA. I was charmed by one adorable place, until they said no dogs were allowed, not even as visitors. I don't even have a dog, but that just felt wrong. They insisted it wasn't an HOA, except for the fee for maintenance of communal spaces, and the list of rules. So even HOAs know they're not desirable to a lot of people.

[@Whiskerman]

Very true

[@abdullahal-shimri3091]

They even say no pickup trucks allowed and I’m never parting with my truck.

[@rhondawest6838]

@@abdullahal-shimri3091 who would want to live around people who judge you for your vehicle choice? They're just snobs

[@MR..181]

And deceptions work into the paperwork completely..

[@MsRotorwings]

I lived in a city for many years and was able to remain relatively anonymous once I left my building. When I moved back east I moved into a private development with an HOA (65 homes). What I didn’t like was the forced sense of community. I knew more about my neighbors than I wanted to know. There are pros and cons to an HOA. Our HOA Board was pretty chill. But it’s a crapshoot. You never know what you’ll get and it can change for the worse over time. Fees were $200/month. Having said all that, I wouldn’t live in an HOA ever again.

[@garrettlundy3959]

When we bought our house in 2019 the first thing we told the realtor was “No HOAs” No regrets about that

[@kimberlindy]

My HOA experience: When I left the garbage can out over 24 hours because I was gone traveling, the HOA stole it. At first I had no idea where it was until I mentioned it to a neighbor; when I called the HOA to ask if they knew where it was and they told me they took it. Put it in their maintenance shed a mile away. Told me they would not return it and I had to find a neighbor with a vehicle big enough to get it back since mine wasn’t. Rules and regs only said they would fine for that not steal the can. Also, I got written up for having a garden hose in the front yard when they did their yearly inspection (they don’t say what date it will be) so I had to put the hose away and call back for a reinspection or they would start fining me. And I had a talking to from the block captain after my boyfriend changed the oil in his car in the driveway, once. My current home has no HOA so none of this BS drama.

[@thanosianthemadtitanic]

yearly inspection? that sounds like absolute misery. Its a hell no for me dawg.

[@walterwhite1]

Yeah, they are just losers

[@derloos]

I can't imagine what kind of a person it takes to seriously assume a role of a, hehe, block captain.

[@SVURulez]

Yeah HOAs are just a bunch of busybodies with no life who want to power trip on their neighbors. They're usually the least qualified to run the neighborhood because anyone halfway competent would have better things to do. That also means these people are usually too dumb to understand concepts of fiduciary duties and instead think they can do whatever they want.

[@TheGreatWasian_]

Sounds like a bunch of people that take comfort in the misery of others since they have absolutely nothing better to do

[@tobyswesternwear]

HOA here in Colorado has gotten so bad that laws are being enacted to limit their power. It's gotten so bad that it was obvious that their goal was to force the homeowners into foreclosure then publish the auction in small rural newspapers that nobody reads so that only "their selected" bidders would show up. These HOS have become brutal and they are not there to protect you.

[@All.Natural.]

🎯

[@paulgermano7837]

That is so crooked.

[@TheHermitProcess]

@@paulgermano7837any system where someone gains the power to fine you with no checks and balances, is crooked.

[@Jazzman4824]

This is part of why im so scared to buy a home here. I have a family, and i want to make a lovely home without restriction on what color i can paint my house, or what type of naturalist lawn i want to put in instead of grasses that shouldnt grow here. Im afraid to put myself into a half a million dollar home, struggle to pay the mortgage and pmi, only to have an HOA swoop in develop, apply liens, and steal my home from under me. Nightmare inducing, when all i want is to put my family in a house and live peacefully

[@MR..181]

And sooner or later at yours..

[@sherrikins3557]

When the woman said "is it just me?"...yep...most likely happening to others, too. The HOA's can get invasive Fees, fees, fees. Can be relentless. What you put on your balcony, if you own a home..what color of paint, if you don't pay your fees they can try to foreclose...it can be terrible.

[@ontheclockradio5912]

Here in Tampa Florida there is an HOA that harassing and discriminatory towards homeowners. Would love for CNBC to report about it.

[@thewolfe1099]

Did an HOA once. It was good for about 10 years but then it wasn't. Board of director positions in HOA seem to attract all the petty tyrants and power tripping people. One of the questions in this video was does an HOA make property more valuable. In my opinion it makes it less valuable. For example I will never purchase another home with any kind of HOA. I think houses without them are more valuable. Never again

[@nathanielb659]

In other words Karens and Darens.

[@mushroomsteve]

I agree. We bought our first home in 2010 and no HOA. We specifically wanted to avoid HOA's because the whole point of moving from renting to ownership for us was so that you don't have someone looking over your shoulder and telling you what you're allowed to do. We want to have pets, paint our house according to our choice of colors, landscape our yard as we wish, etc. I will never buy a home with an HOA. Total deal-breaker. So yes, from my viewpoint, as one who values individuality and freedom of expression, they reduce home values.

[@venom5809]

My HOA used to alright, then this little weasel, her parents died and she inherited the house, completely useless her whole life and weaseled her way onto our HOA as President and is trying to turn it into one of those terrible HOAs. People stopped going to meeting because they hate her so much.

[@Erin-rg3dw]

As they mention in the video, there's good ones and bad ones. Good ones mean tidy yards, maybe some nice amenities, and very little management. Bad ones mean over management and big fish in tiny ponds. If it's an area with the former, people tend to pay more for the well-kept neighborhoods than the ones with junkyards. If it's the latter, people like to avoid them unless they desire that lifestyle.

[@kendallevans4079]

Sure, you say that now. Wait until your neighbor, in your NON HOA neighborhood paints his house lime green, starts restoring some "classic" car in his garage which he welds on till midnight every night. Starts to build an illegal non-permit room addition, starts to raise pit bulls, adult kids move back home with alcohol and drug issues......you will be PRAYING to move back into a HOA neighborhood!

[@davidperdomo8479]

True example of “Power tends to corrupt, and absolute power corrupts absolutely.”

[@privateprivate5302]

Committing to a home in an HOA is like commiting to back surgery...you RARELY hear positive results, and afterwards all you feel is pain

[@kk4649k]

I'm so happy me and my wife are leaving a HOA run condo here in hawaii. That's all we could afford at the beginning since houses are a minimum 1M that's not a fixer upper. Closing in 3 weeks. We will vacation rental this place and write off all the HOA dues. which is 980/month right now. We looked at few houses before the one we're about to close on and we thought we found a perfecdt house until we realized it was part of a HOA. Even though it was only 150/year and the house was nice we turned around. Never again.

[@fourhill]

I only looked at non-HOA homes when shopping and got a great one! When I hear the horror stories several friends are having with their HOAs, I realize that buying a non-HOA home was the best decision I've ever made.

[@KineDa96]

When I was looking for my first home, a house with an HOA was always a dealbreaker for me, didn’t care how nice the home was. Very glad I stuck with that. It’s insane how much power these HOAs have.

[@mariahsmom9457]

Same!

[@abdullahal-shimri3091]

@@mariahsmom9457same here

[@krissykay7940]

I've never understood why HOAs exist in the first place. If I'm purchasing property, I want to be able to do whatever I want to with it, as is my right in real estate - to use as I see fit. I've never heard a good story about an HOA or a condo association.

[@nospamallowed4890]

HOAs need legislation to stop them from the abuses that lead to horror stories. At a minimum they need to lose the ability to place liens, have a limit on what fines they can apply, how and when, plus be forced to disclose the details of their operations.

[@paddlesouth]

Its amazing how much personal freedom American's are willing to give up now a days to feel safe and comfortable. You can't let others tell you what you can do with your personal property. I am sad at the loss of the real America.

[@CarbinKid]

That's the trick.

[@chiquita683]

Yes its sad how Democrat cities abuse the 2nd amendment but people get what they vote for

[@macbook802]

America ?? How dare you call this America

[@Anthony-sn6vz]

A lot of the times you don't have a choice but to move into an HOA. HOAs increase the value of homes not in an HOA as folks will pay a premium to not have to deal with them.

[@willis7404]

I think ppl are more concerned with what their neighbors are doing with their property. Like renting them out to ppl who don’t take care of the property. Or investors leaving homes abandoned and being unreachable when squatters move in

[@PhillKaggitz]

I backed down from purchasing a home because when we were about to sign they let us know there was an HOA…. I paid all the fines and walked away. I will die homeless before living in a place with an HOA.

[@karmendimas5274]

good for you ''I paid all the fines and walked away ' money WELL spent, unlike stupid, careless people who give in to HOA, after they move in they find out how wrong it was, most people agree and regret it...

[@ryand7713]

You really weren't reading the paperwork then - the CCR's (Conditions, Covenants and Restrictions) should be WELL known before closing.

[@tttuu3309]

In my opinion y did the right choice

[@flipsolo]

Preach! That was my first requirement before buying a home, no HOAs!

[@GrzegorzDurda]

Amazing!!! They STILL dinged your wallet for a quick profit.

[@Crump_Engineer]

Municipalities generally do not promote HOAs and they certainly don't use them to offload responsibility. HOAs are being used so developers don't have to build infrastructure to city or ADA standards because the infrastructure is all "privately" owned.

[@MauriceMylesSr]

Hi, I live in Ontario, California Homeowners Association (HOA). I am dealing with an illegal property lien placed on my home, and a board is unable to produce evidence that the emergency special assessment was valid (ESA). The reason for the ESA was alleged that our new property management company discovered poor bookkeeping by our prior management company, which was to the tune of $200,000.00. Such a discovery should been followed by hiring an independent accountant to conduct an audit, but it wasn't. The new property management's long-time attorney, now our HOA's attorney, said "no audits were conducted, but there is evidence", they produced none. I have delivered certified letters requesting copies of the records that validate the esa to no avail.

[@dlouis1830]

Challenge them in with a Small Court Claim

[@MR..181]

And put off till bk? With you paying both lawyers..sucker????

[@glendabanta4832]

An HOA with a bad reputation can not only devalue your home, it can make it almost impossible to sell. Speaking from experience. There is a beautiful neighborhood near me that I used to own a house in. It takes about twice as long to sell a house there and they sell for less than in neighboring areas that do not have HOAs.

[@zugabdu1]

My wife insisted we buy a house that was NOT subject to an HOA. Never regretted it.

[@deoglemnaco7025]

What a lot of people don’t realize is that we NEED HOAs. If not for keeping the rules, our neighborhoods would look awful. I myself am on the board of our HOA and I tell you what…. I enforce the rules. The other day a family who owned a home had a car parked outside which simply didn’t belong to them and had been there for OVER a day which is against the rules. I drug the dad out of the house and showed him what the problem was. As I felt the normal warning wouldn’t do it, him and his family are banned from driving in the neighborhood for six months. Which means they have to park about .7 miles away LOL

[@eattherich9215]

'... we NEED HOAs ...' says the a HOA board member. 😂😂😂 Americans, who supposedly live in the land of the free, are being told that they cannot do this, that or the other by dollar store tyrants. I live in a road where people have a sense of civic pride, but that's not in America.

[@deoglemnaco7025]

@@eattherich9215WE (the board) will give you your civic pride and tell you when enough is enough. This past forth of July one of our owners (or glorified renters as the board calls them) wanted to fly an American flag. Not on our watch. We made him take it down and then crumple it up and throw it away in the recycling bin.

[@eattherich9215]

It's sad that people have to be given 'civic pride'. As I said, I don't live in America and don't have to put up with the staggering overreach of the HOA.

[@deoglemnaco7025]

@@eattherich9215 I remember once our HOA had a fella like you who was from another country. We made him renounce his citizenship from his birth nation as well as change his name to something more…. American. Your HOA comes first. Before god. Before family. ALL.

[@eattherich9215]

Your attempt at satire is a little lame, but I have enjoyed our little dialogue.

[@hbhb7900]

When you buy in a HOA neighborhood, it’s like renting your property from the HOA. You live there, but they tell you how to live, how to maintain your lawn, where you can park your car, what colors are allowed for your house/blinds. Some ban fences, gardens, grilling, pools, . . .

[@nadeenzamora]

My sister owns a condo in Fontana California, ( San Bernardino County) every year they raise the fees the max allowed. The fee is now $800/ month. People are having a hard time selling these homes. It's an absolute racket! I would like for you guys to interview the communities that have been scammed by the hoa managers. Some of these people get away with stealing MILLIONS.

[@walex1101]

Omg

[@JMAC306]

Just dont pay them tf

[@CTU-JackBauer]

If she’s paying $800 a month then she’s probably rich, so it’s harder to feel bad. That’s more than most people’s mortgages.

[@MrGoodeats]

@@CTU-JackBauerhow does that make any sense at all?

[@billytringuyen1]

you know people in comunity can vote them out right? seem like the community is ok with the Hoa manager

[@kevinsiggins623]

My wife and I looked into a place with an HOA and when I asked about the rules they said it was really relaxed and they seemed shocked when I asked them for the rule book so I could read it. It turns out they you had to get approval if you wanted blinds that weren’t white, changing your oil in you driveway was considered major maintenance and not allowed, and they allowed you to have a boat in the back yard but only if it was behind a fence yet fences were only allowed to have a single wide man gate. I will personally never live in an HOA.

[@KenAlbertson]

One of the reasons people are drawn to homes that are part of an HOA is because the neighborhood is attractive. This is because the home owners like living in an attractive community. I don't know why people who don't mow their lawn or keep up home maintenance, or who leave their trash bins out all week, or who have a broken trampoline on their front yard would want to move into a community where they immediately become a problem. I support HOA's and I have no sympathy for those that complain, unless it is a genuine case of abuse, but it is important to remember that everything about an HOA can be changed by a majority vote of the home owners.

[@kylet3818]

We made sure to buy our next house without an HOA. Who are these people to say what is right and wrong? They are just people that have no education in building and planning. The origin of HOA was started in goodwill. They help keep the community to be a pleasant place. Over the years, they have garnered too much power and are just abusive. I have served on the HOA board and these board members just bring in their own special interest. One board member did not want other homeowners to rent their homes out as an Airbnb. Another board member blocked their neighbor from building a deck because it would block their view. Our HOA fees keep going up but we don't see any value in the landscape or property value. I am so glad I moved out of communities with an HOA.

[@djeanpierre]

It's obvious that the HOA is trying to get those people to move out.

[@wendelleddiebrewerlll]

That was there original purpose to restrict the movement of black people

[@everythingisfine9988]

​@@wendelleddiebrewerlllnew goals, new century 👉 middle class or below

[@MuahMan]

@@wendelleddiebrewerlll LOL. Race card.... PLAYED.

[@mrtower5766]

then they want the whole community to move , HOA IS A SCAM

[@douglee4268]

Please upload proof of your point @@wendelleddiebrewerlll

[@teralecole316]

Imagine working for an abusive narcissistic boss, then coming home to an abusive narcissistic HOA. You lose so much money and sanity when you live in an HOA community.

[@royalblueandtreasure3940]

HOA has lawyers who have been educated enough to use power in the wrong way

[@DavidLLambertmobile]

I did armed security; mobile patrol 🚓 briefly at a large gated community, HOA-golf club. About 30% were seniors(over 60), maybe 10% of 🏠 were Air B&Bs/2nd homes. The place had a few Karen types, HOA 🦈 who would yip & yap.

[@sue2611]

That couple should not have had to pay fees and fines left from the previous owners. That's crazy. Every bit of that money should be returned to them. And what system allows someone's pay to be garnished without due process.

[@amaia7045]

As a european, this makes no sense to me.

[@Jeeps4evaandeva]

How is the HOA charging the poor woman for past fixes when she didn’t even own the home yet?! That’s a nightmare, shouldn’t it go away when the old owner moved out? The hell is wrong with the HOA?

[@SilverSunPublishing]

They are crooks, stealing all the fines. It's more common than you think, and some are finally being prosecuted.

[@dionysuseros7423]

Sounds like the settlement company dropped the ball.

[@iansneddon2956]

Would be a similar situation to a condominium. Here, when a condo sells, the purchaser's lawyer sees that they get a clean Estoppel Certificate from the condominium corporation saying that there are no outstanding issues or amounts owing on the unit. Otherwise the new owner would inherit all debt secured against the condo unit. Estoppel is a principle under law that prevents someone from arguing/asserting a right that contradicts what they previously said or agreed to by law. So if they commit to a new purchaser that there are no amounts owing from before the purchase, they can't take legal action against the new owner for such a balance owing. (They could still track down the previous owner to try to collect, but the new owner is clear of the matter.) Pays to have a professional obtaining and reviewing documents.

[@Adrian-lc6jq]

Sounds like she didn't use a conveyancer and it's her fault for being cheap then. "It's Just Business".

[@philliberatore4265]

This is a good example that's why you should always hire a lawyer in any real estate deal. The Sellers realtor always says he has your back, but never believe that. If someone does not get paid unless the deal goes through, then they can never be trusted to have your best interest.

[@WanderlustDeanna]

This is Insane! I refuse to buy a home in a community that has an HOA! I REFUSE!

[@Cabral_del_Norte]

Me too. HOAs are evil.

[@sliver01]

When I moved to another state and living with relatives till I found a house, the number rule with real estate agent was “NO HOA’s!!!!”

[@madskittls]

“Sir, the suburbs cost too much to operate and their petty problems are overwhelming our ability to run the government that existed far before this suburbanization trend.” “Can we just let them run their own neighborhoods like petty kingdoms? That should work right?” “Well, just hearing that out loud, I would say no, but it wouldn’t be our responsibility-“ “Not our responsibility? Good, let’s do it.” “- until they start to fail due to inevitable corruption and incompetence of recreating local government ad-infinitum…” “Sorry, didn’t hear that. You sound like you have it under control! We’re innovators here! Great job’”

[@SiuolZ]

I live in a place that dissolves it’s HOA over a decade ago the people who were here at that time love not having an HOA anymore

[@user-cg6fd4in1d]

That's my goal. I currently live in a COA.

[@wendypierce5621]

For condominiums it’s necessary, but for a stand alone home it’s questionable. Especially in a single family home community I would deeply scrutinize an HOA before moving in. Personally, I’ll risk living next to a “House of Davids” where someone is doing weird things.

[@dehoyosrudolph8885]

It’s a way for the town the property is in to not have to maintain the streets, sewer lines, water, etc. I’m in the Midwest, so snow plowing would fall on the town/ municipality, but that isn’t an added cost to the town. The best deal for the town, they still assess your taxes the same as a home without an hoa, without providing those extra services, that should be taken care of by your taxes!

[@dwaynejones1555]

Wendy as a prior Condo HOA Board Member & Manager I agree.

[@sunsetparkbayridge11232]

Agreed. I don't understand why the townhouses need HOA. And they are so powerful, like city officials who give a fine for not mowering lawn in their desired way.

[@dehoyosrudolph8885]

@@sunsetparkbayridge11232For townhouses, you share a roof with your neighbors, and siding, so you need someone to be the referee in picking colors, style etc.

[@killerhurtalot]

​@sunsetparkbayridge11232 come to seattle lol. Tons of townhomes don't got HOAs here, you can tell by their street side yards and etc all over grown and just being a jungle lol.

[@denisli2658]

For those who are considering buying a property with HOA: Understand that by paying HOA fees, you are letting a bunch of random people manage your finances (I would definitely not trust my board with 10$, let alone tens/hundreds of thousands of dollars), but hey, first-time home buyer, I didn't know what I'm getting in to, learn from my mistakes. Board members rarely keep their neighbors' interests in mind. I mean, who else would want to be on the board? From what I saw so far - people who have nothing to do, and people with superiority complex. You may end up paying 150$/month for a premium cable tv, just because the board wants to save their money (why would they pay themselves if they can force their neighborhood to pay to get a discount?). Your HOA fees can skyrocket at any time. They won't care if you have money to pay. Yes, there is inflation, but assessments are often caused by poor decision-making on the HOAs part. This will affect the property's price, your HOA fee is the money that potential buyer could have paid towards mortgage. They won't leverage the size of the contract. They will likely pay more than an individual would have (assuming they aren't into shady business practices) for roofing, lawn care, painting, etc. Why would they? Their job is to find a contract fast, whether it costs a fortune or solves a problem is not a priority.

[@KumiChan2004]

Never join or move into an area with an HOA. If your neighborhood decides to form one opt out of joining. Never agree or sign anything from the HOA. It doesn't matter how nice the house looks or seems to be. Most HOA's will end up costing you more. You shouldn't have to take the HOA to court to have things done right by you.

[@davidt-rex2062]

UK here. For a country who are all about freedom you really like to remove any and all freedom. It's a totalitarianism stare without the military.

[@chiquita683]

You cant even buy a house in London, sit down.

[@scottbuckley823]

that's why they have social housing Also there's more to the UK than just London@@chiquita683

[@ricoamordavila7496]

​@chiquita683 neither can most of your peope in London loser

[@TsarNick1995]

​@@chiquita683hello Karen Mafia.

[@allenevangelista7529]

@@chiquita683 No, you can't, because you can't afford it, it's like trying to buy a house in New York

[@jalex4251]

Maybe HOA’s should be the entity that fights corporate landlords. Prevent corporations from buying houses just to rent them out

[@wsidechris]

Homeowners sold their souls to avoid lawn maintenance, snow removal, and fear of a neighbor painting their house hot magenta.

[@Objectified]

Derp

[@Objectified]

What an ignorant comment.

[@joesmith6972]

After living in HOAs all of my life, I moved onto acreage and can not even begin to express how nice it is to have the final say of my own property.

[@bobbybishop5662]

Only way to go.

[@ssmt2]

@@bobbybishop5662 I’ll second that. I have 13 acres in a rural area. No HOA! The only thing that my purchase contract said that I couldn’t do on my land was run a feed lot for cattle.

[@bobbybishop5662]

@@ssmt2 start a pig farm lol.

[@Danybella]

@@ssmt2😂😂

[@Danybella]

@@bobbybishop5662😅

[@goma3]

State and municipalities are using HOAs as a way to offload costs to homeowners. But these homeowners pay property taxes like anyone else and are entitled to property benefits like anyone else. Also many HOAs are managed by private companies that claim to "represent" the owners. It's a complete ripoff and needs to be abolished ASAP.

[@teejaybee8222]

Most property taxes on their own cannot cover the costs to maintain the neighborhood, especially for single family homes in the suburbs. This is why the municipalities are offloading the liabilities, they cannot afford it unless property taxes go up.

[@tw8464]

Exactly.

[@headcas620]

And they're trying to offload responsibility because all these garbage new developments aren't sustainable from a tax perspective.

[@mikea5745]

The taxes they pay do not cover the cost of infrastructure for their homes. Single-family homes require very expensive infrastructure because of how low-density they are. Cities are requiring it because they know property taxes won't come close to covering the cost

[@tw8464]

This doesn't make sense because their "HOA" taxes could just go to their municipality or county instead. Also calls into question how sustainable the whole "single 'family'" "zoning" thing is. It's large pieces of land being "developed" under this particular "zoning" but much harder to find places for actual majority of families working for average wages in the community. Yet this whole failed "system" keeps going on automatic pilot over the cliff bankrupting most families and society.

[@saritamoorebansa4485]

Thank you for this informative commentary. I thought I knew what HOA. I will never buy a property in an HOA.

[@Cartagena1]

You’ll never catch me dead living in a HOA ever again. We exhausted every legal option to try to get anything done and the next step was taking the law into our own hands. And trust me, I was ready. We opted to move instead because I KNOW no court in this country would have taken my side after I…ahem…crossed certain lines.

[@bwofficial1776]

When you look at everything Marvin Heemeyer went though, you can understand where he was coming from and why he did what he did.

[@XxGyromancerXx]

@@bwofficial1776 Merv and the legend of the KillDozer will live on forever.

[@TheTardis157]

An HOA should have no right to place extra fines or place a lien against somebody else's property. They are honestly the worst thing to live under and should be abolished in 99% of communities.

[@royalblueandtreasure3940]

In 2020 in the beginning of COVID I lost my husband and HOA went after my condo, the HOA lawyer was sending me letters with crazy amount of money I had to pay to avoid a foreclosure. So my dearest neighbor she is working in law department, so she look up all documents and finished all foreclosure letters right away by calling to HOA lawyer This story many people still remember, it was a horror time of my life. I did paid all my savings to keep my condo and memory of my dearest husband.

[@sinniiarmzendlegz7100]

I have never heard anything good about HOAs. No one I have known who has lived in one has had anything positive to say about it.

[@jonbui4092]

I like that everyone here who's only ever lived in HOAs thinks people who own non-HOA homes live in some Godfather/New Jack City version of America. Also, the neighbor with all the cars don't drive down property values. He actually cuts down my car maintainence cost significantly.

[@jptothetree]

It's amazing how many scams are happening at all times in this country. This seemingly unstoppable greed is what will be the end of us.

[@weatherthestorm111]

It's all going to crash they are scooping up as much as they can while they can

[@ObakuZenCenter]

The US is an oligarchy and unfortunately, since both of the state approved puppet political parties are owned by the same corporate donors, things won't improve until more ordinary people wake up, see what's going on and demand change. Trying to explain to Europeans how it is in the US, is funny at times but they are also deeply sorry for Americans and the poor quality of life in the US for most ordinary Americans.

[@royalblueandtreasure3940]

Many of 3rd World countries started punishing their own people a long time ago. I already feeling that with HOA

[@gen-X-trader]

When I bought my first home I automatically excluded everyone that was in an HOA neighborhood. Why? Because I rented in an HOA neighborhood before. All of the stories people are telling, all true

[@henhen7890]

HOAs sound like a good idea on paper because sometimes you do need an agreement on how each household conducts themselves in the neighborhood. However it sounds like it's turning into people with nothing better to do going on a power trip and worst of all, corporations are just turning home owning into renting.

[@Derkaramma]

I LOVE my HOA. It’s all about reading the CC&RS before hand. Not all HOAs are the same. I love the clean look. I know it will forever be tidy

[@gingerkilkus]

The fact that there is already an excessive amount of demand awaiting its absorption, despite how everyone is frightened and calling the crash, is another reason why it is less likely to occur that way. 2008 saw no one, at least not the broad public, making this forecast, as I'll explain below. The ownership rate was noted to have peaked in 2004 in the other comment. Having previously peaked in the second quarter of 2020, we are currently at the median level. Between 2008 and 2012, it dropped by 3%, and by the second quarter of 2020, it had dropped from 68 to 65.

[@leojack9090]

Investing in both real estate and stocks can be prudent choices, particularly when backed by a robust trading strategy that can navigate you through prosperous periods.

[@TomD226]

You're not doing anything wrong; the problem is that you don't have the knowledge needed to succeed in a challenging market. Only highly qualified professionals who had to experience the 2008 financial crisis could hope to earn a high salary in these challenging conditions.

[@lowcostfresh2266]

@@TomD226 Recently, I've been considering the possibility of speaking with consultants. I need guidance because I'm an adult, but I'm not sure if their services would be all that helpful.

[@TomD226]

My consultant is Laurel Dell Sroufe I found her on a CNBC interview where he was featured and reached out to her afterwards. she has since provide entry and exit points on the securities I focus on. You can look her up online if you care supervision. I basically follow her trade pattern and haven't regretted doing so.

[@The_Moderates_Apprentice]

Rule 1 of homebuying: Never buy into an HOA neighborhood. Period. Rule 2 of homebuying: If buying into an HOA is unavoidable, have a trusted attorney read the bylaws and covenants to make sure there is no funny business. Rule 3 of homebuying: If you are already in an HOA, keep a trusted attorney on retainer. These HOAs are out of control and it is only a matter of time before you will need said attorney.

[@AreaThirteenThirteen]

Rule 4... When in doubt, always refer to rule 1

[@briom1425]

Property will be sold by then to another person .

[@ahsin.shabbir]

How can you leverage your own attorney to push back against HOA overstepping?