My parents moved to a 55+ community at retirement. Five years later they moved out for these same reasons. So many rules regarding what you can do with your property. They hated it!
@@sharonshade4437 That is a sad commentary on some of the people move to some of these 55+ communities. Some of these people were a problem in the communities they left and with the opportunity to become powerful in an HOA they can become a big problem including committing fraud with massive fines for “violations”.
Some cities, Tempe, Arizona for example, treat the whole city as an HOA. They fined me for having a garden in the front yard. So I moved to Mesa Arizona, and now I have a successful garden AND business!
True but Tempe has no legal right to go foreclose on your property. They However can turn your water off and deny other services if you don’t pay those fees. But definitely Mesa is better.
When I bought my home I made sure it wasn't HOA. I didn't understand why I would pay HOA to tell me where I can put my trash, paint my house, put flowers in certain area, and so on. I'm so glad that I made that decision.
@vanhkat9248 I couldn't agree more. Part of the reason people buy homes instead of apartments is to have freedom to do what they like, not what someone else tells them to like.
THATS BECAUSE YOU HAVE NEVER LIVED IN A NON HOA AREA WHERE HOMEOWNERS CAN PAINT THIER HOME ANY COLOR, ADD A ROOM THAT AWFUL LOOKING, INSTALL HOME ACCESSORIES THAT LOOK HORRIBLE! MY HOA PROTECTS OUR INVESTMENT! OUR HOMES ARE HIGH END HOMES THAT ARE LARGE. OUR HOOD STAY BEAUTIFUL ALWAYS IN ALL WAYS!
@@xavierminchello8431 I am living next door to one and I don't care what they do to their property as long as they live me alone. I'm not paying anyone to tell me what to do on my own property.
@@xavierminchello8431 Protects your investment? How much in HOA fees are you going to pay over the years compared to how much extra you get when you sell? How much extra are you going to spend over the years to maintain your property because the HOA says the dead bush in your yard has to be replaced immediately with the identical species that died? How about the speeding ticket you got trying to get home because your trash can has been in the street for 30 minutes longer than allowed. It isn't worth the hassle. Your investment is worthless if nobody will buy your property because of the HOA. I know I wouldn't.
I worked security at a huge condominium complex with an HOA. The tenants would complain and call security on each other for the smallest things. They would call for HOA violations as well. One violation was about a t-shirt on a hanger in the balcony but it was the top floor balcony and the only way you could see the T-shirt on the balcony is if you got on the roof of another unit. Complaints about people grilling on their patio which they were allowed to but the smell was going into another unit. I got complaints about the TV being too loud in the middle of the day and it was just a regular TV no surround system. That was enough for me to never buy in an HOA.
@@joeriveracomedy Residents unleashed dogs can maim and kill no matter what size, even small dogs can get underfoot causing people to trip and fall. Follow the rules and everyone is happy and safe.
@@cobracommander9138 CONDOS ARE BAD INVESTMENTS PERIOD! MANY HOAs OF CONDOS DO NOT EVEN MAINTAIN THE BUILDING! MOST ARE OWNED BY RACIST WHITE RETIRED BABY BOOMERS TOO! THE CONDO IN FLORIDA KILLED OVER 100 PEOPLE WHEN IT COLLAPSED AND CRUSH FAMILIES TO DEATH BECAUSE OF VERY LITTLE MAINTENANCE! WAKE UP! DO NOT INVEST IN A CONDO!
@@trustmemysonisadoctor8479 Until the rules become punitive and arbitrary...and you find yourself with an HOA board full of Karens. Then no one's happy... and no one's safe from persecution!
@@thecannabiscrone4571 I can not speak about the real or imaginary HOA's you have been a member of. I own two properties in two different HOA's, one HOA over 40 years and the other over 30 years, never had a problem with either one as there are checks and balances in place to prevent abuse and over reach. I have found that if you read, understand and follow the rules there is no "persecution".
I got introduced to HOAs when I started working as a health inspector. I would receive complaints about homeowners having too many cats or other "environmental" issues. I was shocked to see the power that these HOAs had to fine these Home OWNERs. They would fine some to the point that the fines amounted to more than their properties were worth. It was tyranny and their rules were so arbitrary. These HOAs were run by Karens. I would NEVER ever by a home in an HOA.
I've owned one property so far in an HOA but after seeing this condo disaster unfold before my eyes, I think I have officially been cured of ever owning another property in an HOA after this.
@@romelfernandez7013 YOU CLEARLY ARE EXAGGERATING! IVE LIVED IN MANY HOA COMMUNITIES! NONE WERE WHAT YOU ARE DESCRIBING! RULES ARE SENSIBLE AND IN THE BEST INTEREST OF ALL HOME OWNERS! NOTHING EXCESSIVE OR POWER TRIPPING! IF YOU MAINTAIN YOUR HOME, CLEAN YOUR YARD, WEED CONTROL WHEN NECESSARY ETC, THERE ARE NO ISSUES! ALL HOMEOWNERS ARE FIRST GIVEN A WARNING, SOMETIMES 2 or 3! ALL BUYERS ARE GIVEN HOA RULES ABD REGULATIONS FOR REVIEW BEFORE THEY SIGN A CONTRACT! IF YOUR FAT AZZ CANT AGREE DONNOT INVEST IN THE COMMUNITY! GOOD GRIEF! ITS COMMON SENCE 101! GET THE FU@K OUT IF YOU DONT LIKE IT!
They cited me for exterior paint of the house as soon as I repainted it, they followed up by another citation of my fence. It was weird because over 50% of the townhouses had far worse exterior paint than mine. Don't het me started on the war of the recycle bins 😅. They almost expected me to to them up 20 seconds after the recycle truck guys emptied them. Oh well, I'm so happy to be renting 7 years on. They can shh#^^ve it!😅😅
@@marywilbourne200Exactly! You can be on your best behavior and have your home in tip top shape compared to your neighbors but then get excessively picked on. It's like being the A student in classes but being told you're flunking by admin.
@@TrappedQue GOOD LIVE IN THE GHETTO! ITS A FACT THAT HOAs PROTECT HOME VALUES WHILE HOMES OUTSIDE OF HOA COMMUNITIES ARE SUBJECT TO THE NEIGHBORS PROPERTY CURB APEAL, UPKEEP AND ROOF, PAINT AND CONSTRUCTION QUALITY! IT CAN DRAG YOUR HOME VALUE DOWN IF YOU HAVE A GHETTO LIVING NEIGHBOR!
it's not bad if it's a house and it's a cheaper hoa. Keeps the riff raff out for the most part, and because it's a lower end one, they don't freak out over most things. Helps keep housing values too, and bugs down, because people actually pick their weeds etc.
The second house my ex wife and I bought was in a HOA. We didn't agree on much, but after 6 months living there, we agreed NEVER AGAIN would we buy in an HOA!
I'm 68, my first encounter with an HOA was in my early twenties, we went to visit our friend. Pretty soon, knock knock, HOA here. You can't park anywhere in this neighborhood because there is a ladder on top of the van.🤔 Owning a home is supposed to be about freedom, I don't understand why people would buy a home that has a million and one rules attached to it.
@@jamesoreilly8641Yes, they symbolize real work, something many HOA board members have no understanding of whatsoever, or goes against their "values."
If anyone can't handle Jackie's dose of reality, they can simply change the channel. Jackie, keep schooling us on the harsh truths of homebuying - we need that reality check! Your efforts are truly valued and appreciated. Keep it up!
We have lived in a HOA for 10 years. I would say the negatives outweigh the positives. EVERY day when we get the mail we have to worry about getting a letter from HOA.
What positive are there? Home value will increase or decrease regardless of an HOA interference and due to a myriad of other factors. You want to provide easy/lazy income for a bunch of lazy people?
My HOA wastes city water to water the lawn to provide unproductive work for the mowers then charges us for the water and mowers.
Learned my lesson the hard way. I wound up getting stuck in a condo in Denver that had been converted from an apartment. The building was 3 stories and shared underground parking with a high rise. Because of that, I was hit with what is today's equivalent of a $13,000 special assessment to pay for repairs on their balconies. I was in my 20's and barely scraping by at the time. I've owned 5 houses since then and made sure there was no HOA. They are gettting harder to avoid.
@@Sheerkat7 my neighbor was told by a mortgage company that it's harder to get financing for apartment to condo conversion financing. I'm guessing that it's because there are more problems with former tenants. Has anyone else heard this?
NEVER IN A MILLION YEARS I would buy a home in an HOA. NO WAY that I would put up with anyone telling me what I am going to plant in my garden and if I want to paint my house purple, it will be purple...
@@CLW1977same here, I had a neighbor that would park their car right outside my driveway in a “no parking” curb and made it inconvenient for me to park my car backwards …. I asked them to stop parking but ignored me, not till the HOA got involved and got their car towed 😂
OMG, Jackie you are SO right. We moved from NY to FL and now live in an HOA community. We will never. EVER live in an HOA again! They weild so much power over everyone, it's frightening! I can't believe HOAs even have the legal right to foreclose on your home - and they do it! How that's legal I don't understand. The laws here are changing, but they do Not go far enough at all. I can't believe the things they get away with. We can't wait to move out of an HOA situation. Never again.
$250 fine for not putting your garbage cans away right after trash collection? Seriously, that sounds more like extortion than neighborhood management. Who would live like this??
I lived in my first home for 16 years and we had a HOA. My husband and I had horrible neighbors on both sides of us. They didn't cut the grass and had trash pilled up on the on the side of the trash cans. I could go on regarding my neighbors but my HOA took care of things, they kept our street looking nice and sent out letters to make sure they followed the rules. I have a HOA at my second home so far no problems.
It always cracks me up to hear that a "HOA improves your property values". I don't recall HOA properties being immune during the last property values crash, circa 2007. Their values tanked, just like my HOA-free house did. (My development used to have a HOA, but the neighborhood disbanded it before I bought my house. The neighborhood still doesn't look trashed, decades later. It's like....adults can figure out how to maintain their lawns and paint their houses decent colors without someone nagging/fining them! Go figure.)
Same as our neighborhood… it used to have two HOA’s and there was confusion as to which houses were a part of which one and so the homeowners disbanded it over a decade ago… We bought our house in that neighborhood because it’s still just as nice and our property values have gone up steadily . It’s a nice upper middle class neighborhood with over 800 houses in county outside of a small town…. All of the lots are decent sized , ours is almost a half acre… and there’s no issues. Granted, there are some things that need to be fixed here and there on some houses but people generally get to it eventually and it hasn’t severely hindered any of our house values. People get all uppity about stupid things regarding house values . Most of the things people are concerned about, are already addressed within the county laws and regulations and can be enforced via that way as opposed to just getting an HOA up in everybody’s business and having more monthly payments to pay that can go up at any time or have special assessments and destroy your ability to keep your home …. Never will buy a house in an HOA… I will move to the country and buy some property and build a house before we buy in an HOA ever.
More than 80% of newly-built single-family homes sold in 2019/2022 belonged to an HOA. during the 2004 housing boom-home prices were significantly inflated, leaving people unable to sell later because they owed more on the house than it was worth. I know several people who bought during that time, thinking it was a good investment, but it wasn’t until the COVID housing boom that prices finally returned to those original levels.
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A very good informational video. Thank you for posting this. My sister works for an attorneys office that handles many claims from HOA organizations in regards to foreclosing properties. It is a very serious problem. Many HOA’s have ridiculous amounts of power that they wrongly use right now that is extremely detrimental to the homeowners. I would advise anyone that owns a house in an HOA to be in contact with your state legislature and representatives about these injustices.
Until more states adopt restricting rules for HOA’s and contracts where they cannot take your house or we remove HOA’s altogether and have them be optional, I WILL NOT BUY A HOUSE WITH AN HOA! I bought the house and property to do what I wish with it and I am not going to keep having to pay more money to somebody every year in monthly payments and risk having a special assessment that completely bankrupts me and the HOA gets to foreclose on my house…. What shocks me is why the banks aren’t stepping in and fighting HOA’s . There’s no way they’re not getting a bomb end of this deal when the house is foreclosed on and sold for way less than the mortgage was giving them. Why would the bank who holds the mortgage not want to step in and help fight with the homeowner if the homeowner has been paying steadily?! Most mortgages are a lot of interest and by the time you’re done paying off the house you have a ton of interest on the house beyond what you initially paid for it… that’s a steady income for a bank… why would they not fight against the HOA’s? Either there is something fishy going on between the HOA’s and mortgage banks or I don’t understand something…. Because right now it doesn’t make any sense.
In the low country, thousands of acres of forest are being cut down to build HOA communities. It’s sad because there are so many roadkills. This year I noticed a lack of butterflies and the lovely variety of birds in my garden. Some of these communities are 20 miles away from any commercial store and gas station!
I lived in a HOA community before. Matter of fact I was one of the HOA members. I can totally see some people can go over the board for little things. It’s their personality. Unfortunately HOA providers a stage to show their unpleasant side. Now I am happily living in a community without HOA. I still meet people in my neighborhood with personality issues but they won’t cause damages as bad as HOA. Yeah, stay away from HOA!
The biggest mistake we ever made was buying a home with an HOA. An absolute nightmare. For example the water sprinklers in the common area broke and instead of fixing right away, they board just ignored it and most of the plants died.
OMG your comment about HOAs wanting to keep the neighborhood looking "pristine" made me laugh! I absolutely do not want to live in a pristine neighborhood. I want to live in a "reasonably maintained" neighborhood. But of course you can't find that in any HOA. I absolutely hate HOAs with a passion. My mom lives in a a townhouse in one of those "pristine" neighborhoods. At one point they sent out notices to the tenants saying they did not want people parking on the street for more than like a day or something. Yes, they were trying to control the PUBLIC street. Of course they found out that the public street was not something they could control so that got thrown out quickly.
HoA's can be the nightmare you mention here. Yes. But they can also be a good thing. LIke all things in life, it's a balancing act. They need to be kept in check with good people on the board. There are now laws in Florida limiting the power of some of those out of control HoA's.
I don't know why your videos are just coming across my feed, as long as I've been watching these videos. We are going to start the process of buying a home out of state in January. I have binge watched 10 of your videos tonight. So much good info, it's been 20yrs since our last home purchase so i needed these updates. My daughter is also purchasing so i will share these with her. New subscriber here🎉
Never have, never will. Thinking about the existence of restrictive covenants makes me want to make my yard more avant garde. My biggest problem with HOAs isn't the fees (though sometimes they can be horrible depending on the setting.) It's the fact that the HOA can place a lien on your house if they determine you've violated to a severe enough extent. There is no compromise. There is no room for regret. There's no buying more freedom within the neighborhood. There is only compliance. It blows my mind that in a country that seems to favor individual liberty that so many people want to have a say in what other people put in or around their house. Are these are rarely even safety issues. They're almost universally aesthetic choices. Like the entire point is to keep out the "riff raff" and undesirables. What scares me is the fact that the vast majority of new builds are part of an HOA. I hope when my kids grow up that they'll have an option that doesn't involve living on someone else's property or living in your own property but having to following you're neighbor's style choices or they can bleed your bank account and steal your house.
"It's the fact that the HOA can place a lien on your house if they determine you've violated to a severe enough extent. There is no compromise." I expect that would depend on the state. In Texas, I think all they can foreclose on you for is delinquent annual dues. Or perhaps ignoring a court order to correct violations (which typically would only occur if a violation had continued for a long time).
@@elisabethkolling6697 so basically, they can fine you and eventually boot you from your home if you don't simply yield to their authority. That's the problem.
I’ve seen HOA’s fine families for allowing their kids to play in the yard and remind that there’s a perfectly good playground that they can play in instead… That kids playing in the yard is a distraction for the other homeowners …. Like how have we gotten to this point the kids can’t play outside in their own dang yards in HOA’s. Then if you allow your kids to go play in the playground, if they’re not supervised run, the risk of having CPS called on you… which is why you want them to play in the yard- so you can watch them inside and do what you need to do while they have fun outside.. It’s all ridiculous. People have kids , kids like to play and be rowdy and we all used to be OK with it… why is everybody so obsessed with this stupidity? You wonder why kids are unhealthy now, they can’t just be kids anymore.
I find this subject fascinating. My current home is in a HOA but there are only 40 homes in it, and our monthly fees are just $13. The money goes toward the twice a year big yard waste bins so we can put in our big green waste items. Our common area is just the monuments at three different entries which are desert landscaping. Contrasting that, my friend has a condo in San Diego. Her monthly HOA fees are currently $750.00 a month. No pool, no gym.😮
@@shawnfrye5987 Yes they sometimes start OK. Sooner or later a nut or more likely nuts will take over the board and so it starts. People are 100% guaranteed to do the most corrupt thing.
Thanks for Sharing! My family has been trying to move for awhile and the market is too crazy right now, but what I did notice is that there are tons of HOA homes for sale in our listings, I guess people are realizing the headache and are getting out!
Yes, read the HOA docs. Not all HOAs are the same. There is a lovely development near me where the HOA fee is low. It pays for trash removal, snow removal and mainteance of a community greenspace. All house maintenance is the responsibility of the owner and there are very few restrictions on what can be done.
Read it again. They'll hook you with the low fee but before you know it that $200 a month is $4000.00 a month. Not counting the assessments. I will guarantee there is something about how the rates can be raised.
Hi Jackie-I’m not even in the market for a house but I really like your channel. Consider me subscribed as I think you have such wonderful and valid information.🥰 Our 1960s neighborhood has an HOA but it is extremely lax, it’s basically to pay for and maintain our Cabana club with a pool and rec area. Thanks again for sharing your knowledge with us, in a great and no nonsense way.
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Good video. I’m in an HOA and on the board. I got involved because co-owners don’t want to get involved and they want to keep their maintenance fee low. The low maintenance fees lead to not having enough funds in Reserve for replacement items. There are no free rides. If folks think there is, rent or buy private and then they’ll be exposed to the expense. One other point…it’s usually not the board that complains about infractions. It’s your neighbors. Not cool however that’s the way it is.
I have to say i came across your channel so randomly. I'm not looking for a home, but figured it wouldn't hurt to check some stuff out. Your videos are educational and humorous, which I appreciate. This subject can get very boring, so you approach in presenting your content is really refreshing. Keep it up.
I complete agree with you ! It’s hard to live in a community where they are spying you 24 hours a day ! I had to set voile curtains for privacy during the day and close blinds during the night . Our HOA still put their nose in our back yard which is completely private when I inflate a small pool for my granddaughters (7 & 3 ) that were visiting me for less than a week !🙄🙄🙄. Lately I was threaded with a fine if I did not manicure my plants ! I like my garden to look natural as an English garden and NOT to look artificial with geometrical shapes !😡😡This people should buy themselves a life ! 😡
In addition to the HOA spying on you some of your neighbors are also watching and will squeal on you if you brake a rule. Some are very jealous of the slightest thing and want revenge.
HOA's are a nightmare!! An MI housing edition wanted our property which was not a part of their HOA to join the MI HOA! We immediately declined the offer now that we have done that the county that we live in is giving us all kinds of hassles because they are laying in bed with MI. The county and health department are trying to take our property and now trying to force us into paying $30,0000 to $50,000 to tap into their fluoride laced water when our well is in perfect working condition! The health department trespassed on our property, my husband is fighting everything!! HOAs are beyond ridiculous!
Its like being caught between a rock and a hard place. HOAs go too far ...but having neighbors who are trash sucks also. I have lived next to some really trashy people.
My wife and I were thinking about moving into a condominium. Our kids are grown and gone, living on their own. We figured that we could cut down on our overall work from owning a house. However, from the looks of it, HOA's are actually more work then I'd ever want...Forget that mess.
We live (7 yrs) in an HOA community in PA. I really like it because we pay 900$ / year and it covers mowing/trimming and snow removal. That is it. Totally worth it to me.
HOAs can become 2nd mommies and that is a serious downfall. If people love a nanny state and everything done for them it's just being an apartment renter- good proceed with eyes open. Most people who qualify for a mortgage are adults
I own in a single family home neighborhood within an HOA and it’s ran well. No complaints and costs right around the same as a monthly landscaper. HOA clubhouse, pool/spa, tennis courts, gated community, and front lawn care included in the fee. That said, I’d never buy a condo/townhome with shared walls. Especially if governed by an HOA.
@@BREEZYM6015500 $ a day fines on non debt "owned" property set by debtors forcing uncontrolable insurances on property...devaluation ..no ability to deal ....thieves
Everything seems dandy until a day that you get a crazy HOA president. If they send the vote out and pass, there’s nothing you can do. This happened to me with a huge HOA assessment fee!
Not only there in Australia we have body corporates. You cant have plants in your front yard unless approved, you cant have your garage door open you cant be seen sitting outside your home, the list goes on and on. My friends got into one that was terrible, they couldn't live like that anymore when they eventually sold they had ro pay a exit fee. They are shocking most dont realize until to late
Also the increases in home insurance. Also back from 2009 to 2017, we lived in a regular high rise condo. We paid the owner for it. They had many things to repair in the building over the years. Then they had a big repair to replace all the concrete terraces, and this major construction cost a ten million dollar bond, which our landlord wanted a 500 dollar a month increase for a renewal lease after 8 years there.There was also a CA board in addition to the regular board, which as renters we could not attend, and you felt it was condo owners versus renters there. We were glad to leave for a regular apartment rental. At our age now, over 80 we don't want to own, especially as. we saw in Florida too. 😮
Absolutely read the CC & R’s! But it’s astounding to me how many people don’t and then later have a big surprise. I’m surprised that the military man didn’t arrange for fees to be paid incrementally prior to his deployment. That would be a simple solution. Once, 35 years ago, I bought a home with an HOA. The covenants that I thought I was buying into were later changed by a board who voted to accommodate their particular needs such as a large boat in the driveway during the non-boating months. After I sold that place, I vowed to”never again “ buy into that nonsense.
He did have direct pmts from his bank account, but the HOA changed process and his payments were not deducted. He was not notified at the contact info he had provided the HOA with. He won the case, because it is illegal for an HOA to place a lien, or foreclose on deployed soldiers.
We bought a new construction townhouse a few years ago when we downsized. It's in a six unit building and recently the building across from us had major water issues in the basement. The repairs ended up costing 149k! So of course a special assessment and an increase in our monthly payment followed. When we owned our house we knew the people across the street and liked them but if they'd had water issues we wouldn't be financially responsible for it. It isn't the only reason we're leaving, all the rules and regulations contributed too...but it was the final straw.
I bought my current house in an HOA and I was very very reluctant. It was a borderline dealbreaker but the house I was in was too small for my family. Finding a 4 bedroom+ was difficult because the inventory was pretty low. I found a house that most of what I was looking for, but it was in an HOA. I closed in March of 2021, now its been 3+ years. It honestly hasn't been that bad. To me it feels like living in base housing when I was in the air force.
I feel that we got lucky.. our family likes our HOA. The fees are very reasonable, we get a good value in return (high speed internet, pools, jacuzzis, club house, gym, community activities & events, and community grounds up keep). I realize this may not be true for others, but wanted to share that some folks may actually like their HOA’s, or feel they get a good value out of them.
Some very good information! We just purchased a home in PA. There was one town I really liked but there were so many neighborhoods that were HOA! I decided to pass on that town. We found a great neighborhood in York PA.
The problem with the area I live in is that it is incredibly difficult to find a house that isn't controlled by an HOA. The one's that typically aren't are either in multimillion dollar neighborhoods or are way out in the countryside which is a problem for most commuters, since traffic in this area is some of the worst in the country.
Thanks for sharing your thoughts, Jackie, on this subject. Are there any PROS to living in an HOA since some are better and less restrictive than others? I am 71 and I have lived in neighborhoods with barking dogs day and night, loud parties, loud cars and motorcycles, unruly kids, basketball games on the streets, skateboard riding on sidewalks and driveways, etc. and do I really want to move to another neighborhood at my age with no rules like what I have lived in? In your opinion, how do you find a GREAT NON-HOA neighborhood? That would make a fine subject for one of your future videos since what options do seniors have to avoid HOAs where they live? I am interested in a Del Webb community in Lincoln, CA. and will carefully study the CCRs more like you said but those I have talked to there LOVE living there and had NO HOA complaints! Anyhow, this is a journey in progress for me but like I said, please DO consider making a video for us seniors on how to find a great NON-HOA community. Thank you!
I hate HOA's and have never bought a house where they have an HOA nor would I ever put myself in a situation where a bunch of tight asses are trying to control me or what I do with my house!
I agree that anytime you want to do a project, it's a pain in the butt. It's like whoever is running HOAs knows nothing about homeownership (or business record-keeping).
I think the entire state of FL is in an HOA. lol I live in an HOA community, $143/mo. Includes all lawn maintenance, pool, golf course, power wash of house every two years, and house painting every 10 year. They can be very annoying.
We lived in on base housing several times in my husband's military career. Basically HOA with no charge. There was no way we were going to pay for the same trouble.
I’m closing in on retirement and I'd love to move from Minnesota to a warmer climate, but home prices seems ridiculous today, do I go ahead with buying a house anyways, or look at other sectors of the market as of now?
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Moving to TN nearly 20 years ago we'd never lived in an HOA and didn't know much about them so didn't think anything of it when our home came with one. I will *never* live in an HOA again. And this one isn't overbearing at the moment. It did get overbearing at one point...like, measuring the height of grass and fining residents. It got really out of hand. A discussion started about it on nextdoor with many people complaining about it. A realtor posted that we need to get the HOA under control because she was required to share this information with new buyers. My husband screenshotted it and sent it to the HOA. What do you know, all fines forgiven and they haven't been overbearing since.
One of the reasons for me of buying my own home was as long as I follow the laws in town regarding my real estate, no one can tell me what to do on my property. I would NEVER buy in a HOA, to me it’s same with condo’s, fees can go up unexpectedly & price you out of your home. No thanks, real estate taxes & homeowners insurance is unpredictable enough for me.
If you’re thinking of buying in an area with no HOA just do several drive buys to see how the neighbors keep up their properties. Thankfully all my neighbors are responsible home owners who take pride in ownership. Well kept lawns, no large vehicles, no cars outside of 3 car garages, and most importantly no HOA!!! I’m very lucky!!!
And are full of debtors who vote regulations and usage restrictions on "their" neighborhoods and were illegal till banks bought law allowing the theft of regulated lands....
Hopefully your luck continues. But nothing is stopping someone from parking a rusty old RV in the driveway and installing a chain-link fence for their barking guard dogs.
Agreed on anything you said, but, in addition, I would not even consider buying anything where all the homes look exactly the same and are a few feet away from each other. I like established neighborhoods where the homes were built at different times by different builders.
I just bought a house in a community that has a defunct HOA. It hasn't been active for years. I'm praying no one decides to reserect it because it was important to us to find a home without an HOA. Sadly I think those homes are harder and harder to find these days, especially a newer home. I do think there needs to be more government oversight on these HOA's to protect homeowners from ridiculous fees and overstepping. And, what are people going to do who are on a fixed income in 5, 10, 20 years from now and the HOA fees have doubled, quadrupled or more from the time they first bought thier home? They will be forced to move from thier homes because they can't afford to live there anymore. We lived many years in nice neighborhoods without HOA's and now they're everywhere (like an invasive weed).
❤ Hard to believe people don't get what you are doing here. Thank you for all of your time and knowledge. So that people do not get ripped off and know what they are truly buying. Truly what they will deal with. The financial costs people will have to pay out over time. Most likely sooner than later. ❤
I knew someone that was battling her HOA over their demand that she plant a tree in a very specific area of her front yard for aesthetic reasons. The HOA was demanding a type of tree that would grow too large for the space. The tree was also to be planted over her water line.
Thanks for informing about HOA, I wish I knew what before I bought a house in San Francisco California In two years I had a lot of fines with them for example, leaving the garbage cans out, leaving the car out in the driveway overnight, putting not native plants on the garden, putting night lights on the lawn, etc It’s a nightmare!!! I pay $1400 a month to the HOA plus the fines
That's why it's so important to do your homework. If you were unable or unwilling to comply with those covenants, you shouldn't have entered into that contract.
@@Lovesapuzzle you do realize that a lot of HOA’s can just change the rules and what’s allowed and not allowed on a whim without any of the homeowners’s say.. That means you could sign an agreement and it seemed pretty reasonable and within a few years they’re making more and more rules that make it completely unreasonable to live there …. Let’s not forget, they can make more and more rules to make it so you get fines that add up and then you can’t pay off the fines, add special assessments, and then they can put a lien on your house in foreclose and take your house from you… None of this is OK … Plus, it should be the due diligence of the person selling the house to let you know that there’s an HOA and what the rules are and what has changed since they’ve been there and what the rate increase is every year for the HOA dues …. People need to stop acting like HO ways are super reasonable because very few places have been …. HOA’s should not be able to just make arbitrary rules and then force you to stick with it or lose your house .
I live in a HOA community, I don’t have a problem with it. You just make sure you read what the CCR’s and the HOA rules, if you agree to them then there should be no problem. Not all HOA’s are the same.
They can change the rules in a lot of these HOA’s with a vote from the HOA members and the homeowners don’t get to say at all… This can include increasing of monthly fees , special assessments, regulations of what is allowed and what is not, and many other changes, including spinach of reserves for amenities nobody asked for… This should not be allowed … it should come to a majority vote of the neighborhood residents and not the HOA committee. Not only because the HOA committee may be a minority of people in the neighborhood but a lot of the times the HOA committee also doesn’t even live in the neighborhood themselves so they don’t represent the actual people living there .
@ if Homeowners don’t go to the the meetings and hear what is needed and the cause for the increase then they have no reason to complain. It is very important for homeowners to go to the meetings to hear what is needed and also give their input
I have My friend yrs ago. Told me his HOA told him is grass/lawn could not be "over x 1/2" He could only cut his -lawn- on Saturday mornings between 10am/2pm.. because of "noise". Each of his good friends/ neighbor all said BS to HOA. the Board HOA tied to FINE! them. They sold--- 4.5years later they saw their house listed for 45k less than they sold it....... in CA
Watch out for the control freaks who want to run the board and go to their meetings, so you have a voice. Frankly, I'm happy living in my motorhome and I can leave a park anytime I want.
I've served on my community's board. Our fees are not high (a few hundred per year, not per month) and we often pitched in to make things better. Aside from looking after snow removal and groundskeeping in the common areas, we also ran community events like block parties and holiday events (4th of July parade for the kids, coordination with local police on Halloween as our community is a trick-or-treating destination). You may be able to join your HOA board if you dislike what they are doing.
Recently discovered you. LOVE your videos! We have a very small HOA (30 homes) but all it takes is ONE person. We own our two acre lot with a house and bought the lot next door as well, to keep green until we decide we want to sell it. One HOA principle actually tried to claim that since we have not built on that lot in 20+ years, that the HOA probably owns it. Nothing in the documents that state that (she's a lawyer and probably took us for naive). Checked with the county who laughed their butts off, saying since we've never missed an HOA payment, and have been paying HOA fees on that lot all along, that there's no way the HOA could take the land from us. Was a galling statement though. What took the cake was when the electric company wanted to bury the power lines because they got in trouble with a government agency for constant power outages. The overhead easement is between the two lots and over through the woods. The power company actually pulled a line diagonally through the middle of our lot and tried to get us to sell them the easement for $100. Doing so would have made the lot unbuildable. My husband spoke to another engineer at the power company, retired Army, and the original engineer got chewed out for not using the same easement they already owned to run the wires in an L formation from the pole through the woods. Original engineer said the diagonal line would be 'cheaper'. For them maybe......
I live in an HOA community, and i love it. Our HOA is not crazy and they have only a minimum of rules. However even with that minimum people often try to do s.... that make no sense like one guy putting fake elephant tusks in the middle of his front yard. Me previous neighborhood did not have an HOA and it was a mess, one house looked like the Addams family lived there, they had gothic decor in the front yard and ivy covering the whole facade. Another guy decided to operate a garage out of his garage and had all kinds od cars in various states of disrepair all over the driveway and the street.
We need alternatives to HOAs for detached homes. One way is to establish more compact cities in newly built areas. You replace property tax with land value tax. Then if homeowners maintain their properties, they get rebates. Simple.
My Mom and sister bought a house in Jacksonville a couple of years ago. The neighborhoods that they could afford that didn't have HOAs were pretty weird and many houses looked like a massive jumble of fire hazard code violations. In their HOA, $25 a month and mostly good restrictions and the (current) board seems to give a pretty reasonable leeway for small and obviously temporary violations. But yeah, I would stay away from condos. Never understood the attraction. If you like gym, get a membership and quit or change as you please.
I rented a home once and the HOA used to pick on us something crazy. My landlord had moved out of state and they would call her over and over only to find out the things they were complaining about were on the house BEFOR the owner even bought it. The owner offered to sell it to me for a steal and I just couldn't do it because of the HOA. Since then HOAs are big no's for me. I told my RE agent, rule #1 NO HOAs!, I don't care how many items on my checklist it has.
I live in a housing development with a HOA in California, only pay $100 and have had no issues. They have never tried to get inside my house. It helps with resale as the homes are all nicely maintained, houses fly off the shelf when they go on the market
@@ReynaDPerez California has its own law disturbance that you can call the sheriff. Every town has a time cut off. You don’t need an HOA to do that. By the way, the HOA office is not open at midnight to call anyone to stop their party.
@@Itsalldream We have never had a assessment in the 14 yrs we have lived here and the dues have not gone up. The HOA is very well run and have lots of reserves in case of an issue, which has never happened.
My parents moved to a 55+ community at retirement. Five years later they moved out for these same reasons. So many rules regarding what you can do with your property. They hated it!
@@sharonshade4437 That is a sad commentary on some of the people move to some of these 55+ communities. Some of these people were a problem in the communities they left and with the opportunity to become powerful in an HOA they can become a big problem including committing fraud with massive fines for “violations”.
Imagine when the HOA says you used the wrong color of white paint on the eaves ...
Some cities, Tempe, Arizona for example, treat the whole city as an HOA. They fined me for having a garden in the front yard. So I moved to Mesa Arizona, and now I have a successful garden AND business!
True but Tempe has no legal right to go foreclose on your property. They However can turn your water off and deny other services if you don’t pay those fees. But definitely Mesa is better.
They just inverted HOA to steal people money.
Isn't it too hot there for a garden?
@@eb1684No
@@eb1684 🤣
When I bought my home I made sure it wasn't HOA. I didn't understand why I would pay HOA to tell me where I can put my trash, paint my house, put flowers in certain area, and so on. I'm so glad that I made that decision.
@vanhkat9248 I couldn't agree more. Part of the reason people buy homes instead of apartments is to have freedom to do what they like, not what someone else tells them to like.
THATS BECAUSE YOU HAVE NEVER LIVED IN A NON HOA AREA WHERE HOMEOWNERS CAN PAINT THIER HOME ANY COLOR, ADD A ROOM THAT AWFUL LOOKING, INSTALL HOME ACCESSORIES THAT LOOK HORRIBLE! MY HOA PROTECTS OUR INVESTMENT! OUR HOMES ARE HIGH END HOMES THAT ARE LARGE. OUR HOOD STAY BEAUTIFUL ALWAYS IN ALL WAYS!
@@xavierminchello8431
I am living next door to one and I don't care what they do to their property as long as they live me alone. I'm not paying anyone to tell me what to do on my own property.
@@xavierminchello8431 Protects your investment? How much in HOA fees are you going to pay over the years compared to how much extra you get when you sell? How much extra are you going to spend over the years to maintain your property because the HOA says the dead bush in your yard has to be replaced immediately with the identical species that died? How about the speeding ticket you got trying to get home because your trash can has been in the street for 30 minutes longer than allowed. It isn't worth the hassle. Your investment is worthless if nobody will buy your property because of the HOA. I know I wouldn't.
@@xavierminchello8431
Nothing worse than entitled, ass kissing weirdos who comment in all caps.
Chill out!
I worked security at a huge condominium complex with an HOA. The tenants would complain and call security on each other for the smallest things. They would call for HOA violations as well. One violation was about a t-shirt on a hanger in the balcony but it was the top floor balcony and the only way you could see the T-shirt on the balcony is if you got on the roof of another unit. Complaints about people grilling on their patio which they were allowed to but the smell was going into another unit. I got complaints about the TV being too loud in the middle of the day and it was just a regular TV no surround system. That was enough for me to never buy in an HOA.
One of our residents told us to call animal control if a dog was off a leash. Not a stray or mad dog. A resident's unleashed dog. Give me a break.
@@joeriveracomedy Residents unleashed dogs can maim and kill no matter what size, even small dogs can get underfoot causing people to trip and fall. Follow the rules and everyone is happy and safe.
@@cobracommander9138 CONDOS ARE BAD INVESTMENTS PERIOD! MANY HOAs OF CONDOS DO NOT EVEN MAINTAIN THE BUILDING! MOST ARE OWNED BY RACIST WHITE RETIRED BABY BOOMERS TOO! THE CONDO IN FLORIDA KILLED OVER 100 PEOPLE WHEN IT COLLAPSED AND CRUSH FAMILIES TO DEATH BECAUSE OF VERY LITTLE MAINTENANCE! WAKE UP! DO NOT INVEST IN A CONDO!
@@trustmemysonisadoctor8479
Until the rules become punitive and arbitrary...and you find yourself with an HOA board full of Karens.
Then no one's happy... and no one's safe from persecution!
@@thecannabiscrone4571 I can not speak about the real or imaginary HOA's you have been a member of. I own two properties in two different HOA's, one HOA over 40 years and the other over 30 years, never had a problem with either one as there are checks and balances in place to prevent abuse and over reach. I have found that if you read, understand and follow the rules there is no "persecution".
I got introduced to HOAs when I started working as a health inspector. I would receive complaints about homeowners having too many cats or other "environmental" issues. I was shocked to see the power that these HOAs had to fine these Home OWNERs. They would fine some to the point that the fines amounted to more than their properties were worth. It was tyranny and their rules were so arbitrary. These HOAs were run by Karens. I would NEVER ever by a home in an HOA.
I had a condo with an HOA for two years and it was awful. Never again.
I've owned one property so far in an HOA but after seeing this condo disaster unfold before my eyes, I think I have officially been cured of ever owning another property in an HOA after this.
@@romelfernandez7013 YOU CLEARLY ARE EXAGGERATING! IVE LIVED IN MANY HOA COMMUNITIES! NONE WERE WHAT YOU ARE DESCRIBING! RULES ARE SENSIBLE AND IN THE BEST INTEREST OF ALL HOME OWNERS! NOTHING EXCESSIVE OR POWER TRIPPING! IF YOU MAINTAIN YOUR HOME, CLEAN YOUR YARD, WEED CONTROL WHEN NECESSARY ETC, THERE ARE NO ISSUES! ALL HOMEOWNERS ARE FIRST GIVEN A WARNING, SOMETIMES 2 or 3! ALL BUYERS ARE GIVEN HOA RULES ABD REGULATIONS FOR REVIEW BEFORE THEY SIGN A CONTRACT! IF YOUR FAT AZZ CANT AGREE DONNOT INVEST IN THE COMMUNITY! GOOD GRIEF! ITS COMMON SENCE 101! GET THE FU@K OUT IF YOU DONT LIKE IT!
They cited me for exterior paint of the house as soon as I repainted it, they followed up by another citation of my fence. It was weird because over 50% of the townhouses had far worse exterior paint than mine. Don't het me started on the war of the recycle bins 😅. They almost expected me to to them up 20 seconds after the recycle truck guys emptied them. Oh well, I'm so happy to be renting 7 years on. They can shh#^^ve it!😅😅
@@marywilbourne200Exactly! You can be on your best behavior and have your home in tip top shape compared to your neighbors but then get excessively picked on. It's like being the A student in classes but being told you're flunking by admin.
I absolutely hate HOA. Will never buy a house with HOA.
Try finding a home that is not in an HOA, Good luck with that.
@Omar_Zazzle This varies widely depending on where you live and what type of properties you're looking for.
@@Omar_Zazzlethere are so many places that are not HOA where I live.
@@TrappedQue GOOD LIVE IN THE GHETTO! ITS A FACT THAT HOAs PROTECT HOME VALUES WHILE HOMES OUTSIDE OF HOA COMMUNITIES ARE SUBJECT TO THE NEIGHBORS PROPERTY CURB APEAL, UPKEEP AND ROOF, PAINT AND CONSTRUCTION QUALITY! IT CAN DRAG YOUR HOME VALUE DOWN IF YOU HAVE A GHETTO LIVING NEIGHBOR!
it's not bad if it's a house and it's a cheaper hoa. Keeps the riff raff out for the most part, and because it's a lower end one, they don't freak out over most things. Helps keep housing values too, and bugs down, because people actually pick their weeds etc.
The second house my ex wife and I bought was in a HOA. We didn't agree on much, but after 6 months living there, we agreed NEVER AGAIN would we buy in an HOA!
I guess you not married anymore
I'm 68, my first encounter with an HOA was in my early twenties, we went to visit our friend. Pretty soon, knock knock, HOA here. You can't park anywhere in this neighborhood because there is a ladder on top of the van.🤔 Owning a home is supposed to be about freedom, I don't understand why people would buy a home that has a million and one rules attached to it.
Ladders are evil
@@jamesoreilly8641 😂🤣
@@jamesoreilly8641Yes, they symbolize real work, something many HOA board members have no understanding of whatsoever, or goes against their "values."
It's not that easy to buy a single family home, sometimes condos are your only choice if you don't want to pay rent for the rest of your life.
That is redicoulas.
If anyone can't handle Jackie's dose of reality, they can simply change the channel. Jackie, keep schooling us on the harsh truths of homebuying - we need that reality check! Your efforts are truly valued and appreciated. Keep it up!
We have lived in a HOA for 10 years. I would say the negatives outweigh the positives.
EVERY day when we get the mail we have to worry about getting a letter from HOA.
Total? Devaluation...
Someday they will send a letter to Hell demanding turn down the heat or be fined. "Satan Laughing Spreads his Wings"
@@MR..181 Not understandable.
What positive are there? Home value will increase or decrease regardless of an HOA interference and due to a myriad of other factors. You want to provide easy/lazy income for a bunch of lazy people?
My HOA wastes city water to water the lawn to provide unproductive work for the mowers then charges us for the water and mowers.
@@gphilipc2031 They can't!! Hell is too smart to have moved into an HOA.
Learned my lesson the hard way. I wound up getting stuck in a condo in Denver that had been converted from an apartment. The building was 3 stories and shared underground parking with a high rise. Because of that, I was hit with what is today's equivalent of a $13,000 special assessment to pay for repairs on their balconies. I was in my 20's and barely scraping by at the time. I've owned 5 houses since then and made sure there was no HOA. They are gettting harder to avoid.
Been there done that. I know exactly what you mean.
@bright2915
They can foreclose for 1500.
@@Sheerkat7 my neighbor was told by a mortgage company that it's harder to get financing for apartment to condo conversion financing. I'm guessing that it's because there are more problems with former tenants. Has anyone else heard this?
NEVER IN A MILLION YEARS I would buy a home in an HOA. NO WAY that I would put up with anyone telling me what I am going to plant in my garden and if I want to paint my house purple, it will be purple...
Outside of an HOA you still have to deal with code enforcement, not much difference except for the HOA fees.
Haha, the very reasons I choose an HOA.
@@CLW1977same here, I had a neighbor that would park their car right outside my driveway in a “no parking” curb and made it inconvenient for me to park my car backwards …. I asked them to stop parking but ignored me, not till the HOA got involved and got their car towed 😂
And that’s why we have HOA’s. Trashy people don’t like them.
@@jonathanmcvay4499 Then you should keep taking orders from Karen around the corner, and keep paying dearly for it. Keep paying and keep obeying
OMG, Jackie you are SO right. We moved from NY to FL and now live in an HOA community. We will never. EVER live in an HOA again! They weild so much power over everyone, it's frightening! I can't believe HOAs even have the legal right to foreclose on your home - and they do it! How that's legal I don't understand. The laws here are changing, but they do Not go far enough at all. I can't believe the things they get away with. We can't wait to move out of an HOA situation. Never again.
$250 fine for not putting your garbage cans away right after trash collection? Seriously, that sounds more like extortion than neighborhood management. Who would live like this??
Only in America
I lived in my first home for 16 years and we had a HOA. My husband and I had horrible neighbors on both sides of us. They didn't cut the grass and had trash pilled up on the on the side of the trash cans. I could go on regarding my neighbors but my HOA took care of things, they kept our street looking nice and sent out letters to make sure they followed the rules. I have a HOA at my second home so far no problems.
It always cracks me up to hear that a "HOA improves your property values". I don't recall HOA properties being immune during the last property values crash, circa 2007. Their values tanked, just like my HOA-free house did.
(My development used to have a HOA, but the neighborhood disbanded it before I bought my house. The neighborhood still doesn't look trashed, decades later. It's like....adults can figure out how to maintain their lawns and paint their houses decent colors without someone nagging/fining them! Go figure.)
Same as our neighborhood… it used to have two HOA’s and there was confusion as to which houses were a part of which one and so the homeowners disbanded it over a decade ago…
We bought our house in that neighborhood because it’s still just as nice and our property values have gone up steadily .
It’s a nice upper middle class neighborhood with over 800 houses in county outside of a small town….
All of the lots are decent sized , ours is almost a half acre… and there’s no issues.
Granted, there are some things that need to be fixed here and there on some houses but people generally get to it eventually and it hasn’t severely hindered any of our house values.
People get all uppity about stupid things regarding house values .
Most of the things people are concerned about, are already addressed within the county laws and regulations and can be enforced via that way as opposed to just getting an HOA up in everybody’s business and having more monthly payments to pay that can go up at any time or have special assessments and destroy your ability to keep your home ….
Never will buy a house in an HOA… I will move to the country and buy some property and build a house before we buy in an HOA ever.
Coming into your house is absolutely ridiculous
I'm sorry but that definitely shouldn't be legal for any reason
It’s also dangerous!
Have never heard of that.
@@SaintlySaavy I’m guessing there has to be at least 24 hours notice given.
You might as well rent then instead of paying 2 monthly payments. 😂
More than 80% of newly-built single-family homes sold in 2019/2022 belonged to an HOA. during the 2004 housing boom-home prices were significantly inflated, leaving people unable to sell later because they owed more on the house than it was worth. I know several people who bought during that time, thinking it was a good investment, but it wasn’t until the COVID housing boom that prices finally returned to those original levels.
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A very good informational video. Thank you for posting this. My sister works for an attorneys office that handles many claims from HOA organizations in regards to foreclosing properties. It is a very serious problem. Many HOA’s have ridiculous amounts of power that they wrongly use right now that is extremely detrimental to the homeowners. I would advise anyone that owns a house in an HOA to be in contact with your state legislature and representatives about these injustices.
Until more states adopt restricting rules for HOA’s and contracts where they cannot take your house or we remove HOA’s altogether and have them be optional, I WILL NOT BUY A HOUSE WITH AN HOA!
I bought the house and property to do what I wish with it and I am not going to keep having to pay more money to somebody every year in monthly payments and risk having a special assessment that completely bankrupts me and the HOA gets to foreclose on my house….
What shocks me is why the banks aren’t stepping in and fighting HOA’s . There’s no way they’re not getting a bomb end of this deal when the house is foreclosed on and sold for way less than the mortgage was giving them.
Why would the bank who holds the mortgage not want to step in and help fight with the homeowner if the homeowner has been paying steadily?! Most mortgages are a lot of interest and by the time you’re done paying off the house you have a ton of interest on the house beyond what you initially paid for it… that’s a steady income for a bank… why would they not fight against the HOA’s?
Either there is something fishy going on between the HOA’s and mortgage banks or I don’t understand something…. Because right now it doesn’t make any sense.
In the low country, thousands of acres of forest are being cut down to build HOA communities. It’s sad because there are so many roadkills. This year I noticed a lack of butterflies and the lovely variety of birds in my garden. Some of these communities are 20 miles away from any commercial store and gas station!
I lived in a HOA community before. Matter of fact I was one of the HOA members. I can totally see some people can go over the board for little things. It’s their personality. Unfortunately HOA providers a stage to show their unpleasant side. Now I am happily living in a community without HOA. I still meet people in my neighborhood with personality issues but they won’t cause damages as bad as HOA. Yeah, stay away from HOA!
The biggest mistake we ever made was buying a home with an HOA. An absolute nightmare. For example the water sprinklers in the common area broke and instead of fixing right away, they board just ignored it and most of the plants died.
The residents should have sent the hoa board fines, just like the hoa would've done to the residents. Turnabout is fair play
The problem is almost all new developments come with HOAs
Don't buy in new development.
@@nickc3856 right!
@@Elizabeth-yg2mgThat's kind of hard to do.
@@Elizabeth-yg2mgyep! So easy. Those new developments are cheaply made anyway
@@BREEZYM6015it’s kind of not. America is a big place.
OMG your comment about HOAs wanting to keep the neighborhood looking "pristine" made me laugh! I absolutely do not want to live in a pristine neighborhood. I want to live in a "reasonably maintained" neighborhood. But of course you can't find that in any HOA. I absolutely hate HOAs with a passion. My mom lives in a a townhouse in one of those "pristine" neighborhoods. At one point they sent out notices to the tenants saying they did not want people parking on the street for more than like a day or something. Yes, they were trying to control the PUBLIC street. Of course they found out that the public street was not something they could control so that got thrown out quickly.
HoA's can be the nightmare you mention here. Yes.
But they can also be a good thing. LIke all things in life, it's a balancing act. They need to be kept in check with good people on the board. There are now laws in Florida limiting the power of some of those out of control HoA's.
I don't know why your videos are just coming across my feed, as long as I've been watching these videos. We are going to start the process of buying a home out of state in January. I have binge watched 10 of your videos tonight. So much good info, it's been 20yrs since our last home purchase so i needed these updates. My daughter is also purchasing so i will share these with her. New subscriber here🎉
We have noticed when a homeowner is fined by the HOA they sometimes get revenge by vandalizing something within the community.
Yikes! :/
Idiots As they will have to pay a piece to repair it...idiots as neighbors...sounds hoa ish or hoa repairers kickback moneys..???
Never have, never will. Thinking about the existence of restrictive covenants makes me want to make my yard more avant garde.
My biggest problem with HOAs isn't the fees (though sometimes they can be horrible depending on the setting.) It's the fact that the HOA can place a lien on your house if they determine you've violated to a severe enough extent. There is no compromise. There is no room for regret. There's no buying more freedom within the neighborhood. There is only compliance. It blows my mind that in a country that seems to favor individual liberty that so many people want to have a say in what other people put in or around their house. Are these are rarely even safety issues. They're almost universally aesthetic choices. Like the entire point is to keep out the "riff raff" and undesirables.
What scares me is the fact that the vast majority of new builds are part of an HOA. I hope when my kids grow up that they'll have an option that doesn't involve living on someone else's property or living in your own property but having to following you're neighbor's style choices or they can bleed your bank account and steal your house.
"It's the fact that the HOA can place a lien on your house if they determine you've violated to a severe enough extent. There is no compromise."
I expect that would depend on the state. In Texas, I think all they can foreclose on you for is delinquent annual dues. Or perhaps ignoring a court order to correct violations (which typically would only occur if a violation had continued for a long time).
@@elisabethkolling6697 so basically, they can fine you and eventually boot you from your home if you don't simply yield to their authority. That's the problem.
I’ve seen HOA’s fine families for allowing their kids to play in the yard and remind that there’s a perfectly good playground that they can play in instead…
That kids playing in the yard is a distraction for the other homeowners …. Like how have we gotten to this point the kids can’t play outside in their own dang yards in HOA’s. Then if you allow your kids to go play in the playground, if they’re not supervised run, the risk of having CPS called on you… which is why you want them to play in the yard- so you can watch them inside and do what you need to do while they have fun outside..
It’s all ridiculous.
People have kids , kids like to play and be rowdy and we all used to be OK with it… why is everybody so obsessed with this stupidity?
You wonder why kids are unhealthy now, they can’t just be kids anymore.
I am selling my house under hoa this week !!!! I am so happy. I bought a house in country area
That is awesome!
I just want to say im impressed with someone from NJ that is selling real estate that is NOT in FL. Good for you.
If you don't like HOA's FL isn't a good state to be. The majority of communities have HOA.
@@cur244 correct. Everyone should stay far away from FL.
@@BJJandBS Agreed if they don't like HOA's. It's no paradise that's for sure.
I didn't even watch this video and I already agree with it! I've had 2 HOAs and both were scamming nightmares!!!!
I find this subject fascinating. My current home is in a HOA but there are only 40 homes in it, and our monthly fees are just $13. The money goes toward the twice a year big yard waste bins so we can put in our big green waste items. Our common area is just the monuments at three different entries which are desert landscaping. Contrasting that, my friend has a condo in San Diego. Her monthly HOA fees are currently $750.00 a month. No pool, no gym.😮
Seems OK for now but just wait.
Mine is the same way, inexpensive. They take care of the entry signs to the neighborhood and the neighborhood park.They generally leave you alone
@@shawnfrye5987 Yes they sometimes start OK. Sooner or later a nut or more likely nuts will take over the board and so it starts. People are 100% guaranteed to do the most corrupt thing.
What's the point of home ownership if you're constantly being dictated to?
People will give up their own freedom in order to dictate to others.
Thanks for Sharing! My family has been trying to move for awhile and the market is too crazy right now, but what I did notice is that there are tons of HOA homes for sale in our listings, I guess people are realizing the headache and are getting out!
Yes, read the HOA docs. Not all HOAs are the same. There is a lovely development near me where the HOA fee is low. It pays for trash removal, snow removal and mainteance of a community greenspace. All house maintenance is the responsibility of the owner and there are very few restrictions on what can be done.
Read it again. They'll hook you with the low fee but before you know it that $200 a month is $4000.00 a month. Not counting the assessments. I will guarantee there is something about how the rates can be raised.
working in all sorts of neighborhoods for over forty years, I'd never move to an HOA Strong Nanny State.
That's why when we moved, got a non-HAO home. Got tired of them and their fees and restrictions.
Hi Jackie-I’m not even in the market for a house but I really like your channel. Consider me subscribed as I think you have such wonderful and valid information.🥰
Our 1960s neighborhood has an HOA but it is extremely lax, it’s basically to pay for and maintain our Cabana club with a pool and rec area.
Thanks again for sharing your knowledge with us, in a great and no nonsense way.
I’m closing in on my retirement and I’d like to move from Minnesota to a warmer climate, but the prices on homes are stupidly ridiculous and Mortgage prices has been skyrocketing on a roll(currently over 7%) do I just invest my spare cash into stock and wait for a housing crash or should I go ahead to buy a home anyways?
Considering the present situation, diversifying by shifting investments from real estate to financial markets or gold is recommended, despite potential future home price drops. Given prevailing mortgage rates and economic uncertainty, this move is prudent, particularly due to stricter mortgage regulations. Seeking advice from a knowledgeable independent financial advisor is advisable for those seeking guidance.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.
I appreciate the implementation of ideas and strategies that result to unmeasurable progress. Being heavily liquid, I'd rather not reinvent the wheel, thus the search for a reputable advisor, mind sharing info of this person guiding you please?
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Marisa Michelle Litwinsky’’ for about two years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
I appreciate this. After curiously searching her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get. A call has been scheduled.
Great video, Jackie. I 100% agree and most times the costs and negatives of an HOA outweigh the positives.
Good video. I’m in an HOA and on the board. I got involved because co-owners don’t want to get involved and they want to keep their maintenance fee low. The low maintenance fees lead to not having enough funds in Reserve for replacement items. There are no free rides. If folks think there is, rent or buy private and then they’ll be exposed to the expense. One other point…it’s usually not the board that complains about infractions. It’s your neighbors. Not cool however that’s the way it is.
I have to say i came across your channel so randomly. I'm not looking for a home, but figured it wouldn't hurt to check some stuff out. Your videos are educational and humorous, which I appreciate. This subject can get very boring, so you approach in presenting your content is really refreshing. Keep it up.
Awesome! Thank you!
I complete agree with you ! It’s hard to live in a community where they are spying you 24 hours a day ! I had to set voile curtains for privacy during the day and close blinds during the night . Our HOA still put their nose in our back yard which is completely private when I inflate a small pool for my granddaughters (7 & 3 ) that were visiting me for less than a week !🙄🙄🙄. Lately I was threaded with a fine if I did not manicure my plants ! I like my garden to look natural as an English garden and NOT to look artificial with geometrical shapes !😡😡This people should buy themselves a life ! 😡
These people are miserable & have NO life. Majority of them are scums of the earth.
In addition to the HOA spying on you some of your neighbors are also watching
and will squeal on you if you brake a rule. Some are very jealous of the slightest
thing and want revenge.
HOA's are a nightmare!! An MI housing edition wanted our property which was not a part of their HOA to join the MI HOA! We immediately declined the offer now that we have done that the county that we live in is giving us all kinds of hassles because they are laying in bed with MI. The county and health department are trying to take our property and now trying to force us into paying $30,0000 to $50,000 to tap into their fluoride laced water when our well is in perfect working condition! The health department trespassed on our property, my husband is fighting everything!! HOAs are beyond ridiculous!
I hope you have a ring camera
I am moving to GA and the area I need to move in for work is 96% HOA. I almost can’t run away from it.
What area is this? I actually highly prefer HOAs
I live in Georgia and I selling my house under hoa. My next don't have hoa!
You got 4% to look into.
@@kevinkenny9355 Hinesville
Everybody in my HOA now complies ever since they installed a guillotine behind the club house.
Its like being caught between a rock and a hard place. HOAs go too far ...but having neighbors who are trash sucks also. I have lived next to some really trashy people.
My wife and I were thinking about moving into a condominium. Our kids are grown and gone, living on their own. We figured that we could cut down on our overall work from owning a house. However, from the looks of it, HOA's are actually more work then I'd ever want...Forget that mess.
We live (7 yrs) in an HOA community in PA. I really like it because we pay 900$ / year and it covers mowing/trimming and snow removal. That is it. Totally worth it to me.
Thanks for sharing!
Would only live in HOA communities . If you pay premium price for real estate I don’t want to see my neighbors trash etc
HOAs can become 2nd mommies and that is a serious downfall. If people love a nanny state and everything done for them it's just being an apartment renter- good proceed with eyes open. Most people who qualify for a mortgage are adults
Read the docs. In a few years that $900 will balloon. 100% guaranteed.
@@ScarlettO-l5m Well if you love living in apartments or condos go for it but some are adults and live life as such
I own in a single family home neighborhood within an HOA and it’s ran well. No complaints and costs right around the same as a monthly landscaper. HOA clubhouse, pool/spa, tennis courts, gated community, and front lawn care included in the fee.
That said, I’d never buy a condo/townhome with shared walls. Especially if governed by an HOA.
I live in a townhome with shared walls in an HOA. Why are you against it?
@@BREEZYM6015500 $ a day fines on non debt "owned" property set by debtors forcing uncontrolable insurances on property...devaluation ..no ability to deal ....thieves
Everything seems dandy until a day that you get a crazy HOA president. If they send the vote out and pass, there’s nothing you can do. This happened to me with a huge HOA assessment fee!
@@BREEZYM6015 Because people complain to the HOA about any noise even in the daytime.
@@BREEZYM6015 noise, fire, flood, shared building expenses.
Not only there in Australia we have body corporates. You cant have plants in your front yard unless approved, you cant have your garage door open you cant be seen sitting outside your home, the list goes on and on. My friends got into one that was terrible, they couldn't live like that anymore when they eventually sold they had ro pay a exit fee. They are shocking most dont realize until to late
That's crazy! Who would live like that?? Sounds more like extortion than mutual cooperation! No way would I buy in one or live in one.
Also the increases in home insurance.
Also back from 2009 to 2017, we lived
in a regular high rise condo. We paid
the owner for it. They had many things
to repair in the building over the years.
Then they had a big repair to replace
all the concrete terraces, and this
major construction cost a ten million
dollar bond, which our landlord wanted
a 500 dollar a month increase for a
renewal lease after 8 years there.There
was also a CA board in addition to the
regular board, which as renters we could not attend, and you felt it was
condo owners versus renters there.
We were glad to leave for a regular
apartment rental. At our age now,
over 80 we don't want to own, especially as. we saw in Florida too. 😮
Absolutely read the CC & R’s! But it’s astounding to me how many people don’t and then later have a big surprise.
I’m surprised that the military man didn’t arrange for fees to be paid incrementally prior to his deployment. That would be a simple solution.
Once, 35 years ago, I bought a home with an HOA. The covenants that I thought I was buying into were later changed by a board who voted to accommodate their particular needs such as a large boat in the driveway during the non-boating months.
After I sold that place, I vowed to”never again “ buy into that nonsense.
He did have direct pmts from his bank account, but the HOA changed process and his payments were not deducted. He was not notified at the contact info he had provided the HOA with. He won the case, because it is illegal for an HOA to place a lien, or foreclose on deployed soldiers.
We bought a new construction townhouse a few years ago when we downsized. It's in a six unit building and recently the building across from us had major water issues in the basement. The repairs ended up costing 149k! So of course a special assessment and an increase in our monthly payment followed. When we owned our house we knew the people across the street and liked them but if they'd had water issues we wouldn't be financially responsible for it. It isn't the only reason we're leaving, all the rules and regulations contributed too...but it was the final straw.
Thanks a bunch for the warning. This sounds like a nightmare. Cheers. 🙂
I bought my current house in an HOA and I was very very reluctant. It was a borderline dealbreaker but the house I was in was too small for my family. Finding a 4 bedroom+ was difficult because the inventory was pretty low. I found a house that most of what I was looking for, but it was in an HOA. I closed in March of 2021, now its been 3+ years. It honestly hasn't been that bad. To me it feels like living in base housing when I was in the air force.
I feel that we got lucky.. our family likes our HOA. The fees are very reasonable, we get a good value in return (high speed internet, pools, jacuzzis, club house, gym, community activities & events, and community grounds up keep).
I realize this may not be true for others, but wanted to share that some folks may actually like their HOA’s, or feel they get a good value out of them.
@@evolv.e that could change.
Some very good information! We just purchased a home in PA. There was one town I really liked but there were so many neighborhoods that were HOA! I decided to pass on that town.
We found a great neighborhood in York PA.
The problem with the area I live in is that it is incredibly difficult to find a house that isn't controlled by an HOA. The one's that typically aren't are either in multimillion dollar neighborhoods or are way out in the countryside which is a problem for most commuters, since traffic in this area is some of the worst in the country.
Thanks for sharing your thoughts, Jackie, on this subject. Are there any PROS to living in an HOA since some are better and less restrictive than others? I am 71 and I have lived in neighborhoods with barking dogs day and night, loud parties, loud cars and motorcycles, unruly kids, basketball games on the streets, skateboard riding on sidewalks and driveways, etc. and do I really want to move to another neighborhood at my age with no rules like what I have lived in? In your opinion, how do you find a GREAT NON-HOA neighborhood? That would make a fine subject for one of your future videos since what options do seniors have to avoid HOAs where they live? I am interested in a Del Webb community in Lincoln, CA. and will carefully study the CCRs more like you said but those I have talked to there LOVE living there and had NO HOA complaints! Anyhow, this is a journey in progress for me but like I said, please DO consider making a video for us seniors on how to find a great NON-HOA community. Thank you!
Glad I don’t have any HOA, why my home 🏡 is Friggen Beautiful 🤩 🏡🍃
I remember..
Totally agree, HOA is also a business, sometimes a third-party make profits from the fees.
I hate HOA's and have never bought a house where they have an HOA nor would I ever put myself in a situation where a bunch of tight asses are trying to control me or what I do with my house!
I agree that anytime you want to do a project, it's a pain in the butt. It's like whoever is running HOAs knows nothing about homeownership (or business record-keeping).
I think the entire state of FL is in an HOA. lol I live in an HOA community, $143/mo. Includes all lawn maintenance, pool, golf course, power wash of house every two years, and house painting every 10 year. They can be very annoying.
We lived in on base housing several times in my husband's military career. Basically HOA with no charge. There was no way we were going to pay for the same trouble.
I’m closing in on retirement and I'd love to move from Minnesota to a warmer climate, but home prices seems ridiculous today, do I go ahead with buying a house anyways, or look at other sectors of the market as of now?
consider talking to a well-experienced advisor about which sectors of the market to focus your portfolio on, diversification is actually key to good investing.
@@AstridJohansen-z this is great! once you hit a big milestone, the next comes easier.. who is your CFP if you dont mind me asking?
curiously inputted Katherine Nance Dietz on the web and at once found her consulting page, was able to schedule a call session with her, thanks for putting this out ...
Just give me da money 💰 and I'll double it for you in 100 years. 😳
Lots of people are retiring overseas.
Moving to TN nearly 20 years ago we'd never lived in an HOA and didn't know much about them so didn't think anything of it when our home came with one.
I will *never* live in an HOA again. And this one isn't overbearing at the moment.
It did get overbearing at one point...like, measuring the height of grass and fining residents. It got really out of hand. A discussion started about it on nextdoor with many people complaining about it. A realtor posted that we need to get the HOA under control because she was required to share this information with new buyers. My husband screenshotted it and sent it to the HOA. What do you know, all fines forgiven and they haven't been overbearing since.
I start watching your videos since two weeks.i loving it🎉thanks for sharing 💐
Yay! Thank you!
@@JackieBaker Yes! You are awesome! (:
One of the reasons for me of buying my own home was as long as I follow the laws in town regarding my real estate, no one can tell me what to do on my property. I would
NEVER buy in a HOA, to me it’s same with condo’s, fees can go up unexpectedly & price you out of your home. No thanks, real estate taxes & homeowners insurance is unpredictable enough for me.
If you’re thinking of buying in an area with no HOA just do several drive buys to see how the neighbors keep up their properties. Thankfully all my neighbors are responsible home owners who take pride in ownership. Well kept lawns, no large vehicles, no cars outside of 3 car garages, and most importantly no HOA!!! I’m very lucky!!!
And are full of debtors who vote regulations and usage restrictions on "their" neighborhoods and were illegal till banks bought law allowing the theft of regulated lands....
Hopefully your luck continues. But nothing is stopping someone from parking a rusty old RV in the driveway and installing a chain-link fence for their barking guard dogs.
Agreed on anything you said, but, in addition, I would not even consider buying anything where all the homes look exactly the same and are a few feet away from each other. I like established neighborhoods where the homes were built at different times by different builders.
I just bought a house in a community that has a defunct HOA. It hasn't been active for years. I'm praying no one decides to reserect it because it was important to us to find a home without an HOA. Sadly I think those homes are harder and harder to find these days, especially a newer home.
I do think there needs to be more government oversight on these HOA's to protect homeowners from ridiculous fees and overstepping. And, what are people going to do who are on a fixed income in 5, 10, 20 years from now and the HOA fees have doubled, quadrupled or more from the time they first bought thier home? They will be forced to move from thier homes because they can't afford to live there anymore.
We lived many years in nice neighborhoods without HOA's and now they're everywhere (like an invasive weed).
❤ Hard to believe people don't get what you are doing here. Thank you for all of your time and knowledge. So that people do not get ripped off and know what they are truly buying. Truly what they will deal with. The financial costs people will have to pay out over time. Most likely sooner than later. ❤
Good advice. I would NEVER buy a home in an HOA. I had to bleach my driveway and clean my mailbox.
I knew someone that was battling her HOA over their demand that she plant a tree in a very specific area of her front yard for aesthetic reasons. The HOA was demanding a type of tree that would grow too large for the space. The tree was also to be planted over her water line.
I lived in a h.o.a. one time in my life, never again, will I give up my freedom, the h.o.a. where I lived was a nightmare.
Thanks for informing about HOA, I wish I knew what before I bought a house in San Francisco California
In two years I had a lot of fines with them for example, leaving the garbage cans out, leaving the car out in the driveway overnight, putting not native plants on the garden, putting night lights on the lawn, etc
It’s a nightmare!!!
I pay $1400 a month to the HOA plus the fines
That's why it's so important to do your homework. If you were unable or unwilling to comply with those covenants, you shouldn't have entered into that contract.
Looks like you DIDNT read the rules. Don't blame them. Blame yourself.
@@Lovesapuzzle you do realize that a lot of HOA’s can just change the rules and what’s allowed and not allowed on a whim without any of the homeowners’s say..
That means you could sign an agreement and it seemed pretty reasonable and within a few years they’re making more and more rules that make it completely unreasonable to live there ….
Let’s not forget, they can make more and more rules to make it so you get fines that add up and then you can’t pay off the fines, add special assessments, and then they can put a lien on your house in foreclose and take your house from you…
None of this is OK …
Plus, it should be the due diligence of the person selling the house to let you know that there’s an HOA and what the rules are and what has changed since they’ve been there and what the rate increase is every year for the HOA dues ….
People need to stop acting like HO ways are super reasonable because very few places have been ….
HOA’s should not be able to just make arbitrary rules and then force you to stick with it or lose your house .
Never give your neighbors power over you. Yeah, there are exceptions, but as a general rule, it's a good one.
Absolutely agree! Avoid them like the plague!!!
I live in a HOA community, I don’t have a problem with it. You just make sure you read what the CCR’s and the HOA rules, if you agree to them then there should be no problem. Not all HOA’s are the same.
Sure
They can change the rules in a lot of these HOA’s with a vote from the HOA members and the homeowners don’t get to say at all…
This can include increasing of monthly fees , special assessments, regulations of what is allowed and what is not, and many other changes, including spinach of reserves for amenities nobody asked for…
This should not be allowed … it should come to a majority vote of the neighborhood residents and not the HOA committee.
Not only because the HOA committee may be a minority of people in the neighborhood but a lot of the times the HOA committee also doesn’t even live in the neighborhood themselves so they don’t represent the actual people living there .
@ if Homeowners don’t go to the the meetings and hear what is needed and the cause for the increase then they have no reason to complain. It is very important for homeowners to go to the meetings to hear what is needed and also give their input
I have My friend yrs ago. Told me his HOA told him is grass/lawn could not be "over x 1/2"
He could only cut his -lawn- on Saturday mornings between 10am/2pm.. because of "noise". Each of his good friends/ neighbor all said BS to HOA. the Board HOA tied to FINE! them. They sold--- 4.5years later they saw their house listed for 45k less than they sold it....... in CA
Watch out for the control freaks who want to run the board and go to their meetings, so you have a voice. Frankly, I'm happy living in my motorhome and I can leave a park anytime I want.
I've served on my community's board. Our fees are not high (a few hundred per year, not per month) and we often pitched in to make things better. Aside from looking after snow removal and groundskeeping in the common areas, we also ran community events like block parties and holiday events (4th of July parade for the kids, coordination with local police on Halloween as our community is a trick-or-treating destination). You may be able to join your HOA board if you dislike what they are doing.
Rent and Ruin are synonymous and why hoas call rent dues...
Thank you for sharing this information. Now I don't feel alone in my feelings for HOA entities.
HOA mean walk away don't bother think about it, it just like another version of IRS
hi, jackie great video on informing people of the HOA inside scoop from your own experiences.........
Glad you enjoyed it!
I have to DISAGREE. I would NEVER say NEVER, simply because there are some HOAs that the positives outweigh the negatives.
Yes there are some good ones out there.
Recently discovered you. LOVE your videos! We have a very small HOA (30 homes) but all it takes is ONE person. We own our two acre lot with a house and bought the lot next door as well, to keep green until we decide we want to sell it. One HOA principle actually tried to claim that since we have not built on that lot in 20+ years, that the HOA probably owns it. Nothing in the documents that state that (she's a lawyer and probably took us for naive). Checked with the county who laughed their butts off, saying since we've never missed an HOA payment, and have been paying HOA fees on that lot all along, that there's no way the HOA could take the land from us. Was a galling statement though. What took the cake was when the electric company wanted to bury the power lines because they got in trouble with a government agency for constant power outages. The overhead easement is between the two lots and over through the woods. The power company actually pulled a line diagonally through the middle of our lot and tried to get us to sell them the easement for $100. Doing so would have made the lot unbuildable. My husband spoke to another engineer at the power company, retired Army, and the original engineer got chewed out for not using the same easement they already owned to run the wires in an L formation from the pole through the woods. Original engineer said the diagonal line would be 'cheaper'. For them maybe......
HOA can foreclose on a up to date mortgage😢
I really appreciate your expertise & education on home buying.
She might not be actually saying it, but I will. Never Buy a Home in an HOA.
This was VERY informative. Thanks so much!
I live in an HOA community, and i love it. Our HOA is not crazy and they have only a minimum of rules. However even with that minimum people often try to do s.... that make no sense like one guy putting fake elephant tusks in the middle of his front yard.
Me previous neighborhood did not have an HOA and it was a mess, one house looked like the Addams family lived there, they had gothic decor in the front yard and ivy covering the whole facade. Another guy decided to operate a garage out of his garage and had all kinds od cars in various states of disrepair all over the driveway and the street.
We need alternatives to HOAs for detached homes. One way is to establish more compact cities in newly built areas.
You replace property tax with land value tax. Then if homeowners maintain their properties, they get rebates. Simple.
My Mom and sister bought a house in Jacksonville a couple of years ago. The neighborhoods that they could afford that didn't have HOAs were pretty weird and many houses looked like a massive jumble of fire hazard code violations. In their HOA, $25 a month and mostly good restrictions and the (current) board seems to give a pretty reasonable leeway for small and obviously temporary violations.
But yeah, I would stay away from condos. Never understood the attraction. If you like gym, get a membership and quit or change as you please.
I rented a home once and the HOA used to pick on us something crazy. My landlord had moved out of state and they would call her over and over only to find out the things they were complaining about were on the house BEFOR the owner even bought it. The owner offered to sell it to me for a steal and I just couldn't do it because of the HOA. Since then HOAs are big no's for me. I told my RE agent, rule #1 NO HOAs!, I don't care how many items on my checklist it has.
Despite living in Australia, a lot of your information transcends to our housing market also.
I live in a housing development with a HOA in California, only pay $100 and have had no issues. They have never tried to get inside my house. It helps with resale as the homes are all nicely maintained, houses fly off the shelf when they go on the market
Just wait until you get a special assessment!
@@ReynaDPerez California has its own law disturbance that you can call the sheriff. Every town has a time cut off. You don’t need an HOA to do that. By the way, the HOA office is not open at midnight to call anyone to stop their party.
@@ReynaDPerez You should definitely be in an HOA and drive around to report any loud noises.
@@Itsalldream We have never had a assessment in the 14 yrs we have lived here and the dues have not gone up. The HOA is very well run and have lots of reserves in case of an issue, which has never happened.