HOAs Are SEIZING Homes
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- Опубликовано: 13 май 2024
- Homeowners are facing a surprising threat of foreclosures by their HOA's. In this video I’ll tell you how the HOA’s can foreclose on you, share some nightmare stories of homeowners who were foreclosed on and tell you how some states are stepping up to put an end to this madness.
**If you need legal help, please contact an attorney. This video is not intended to provide legal advice!
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Jacqueline "Jackie" Baker
NJ License 1541448
Coldwell Banker Realty
Allendale/Saddle River
#realestate #jackiebakerrealtor #jackiebakersellsnj #homebuyingtips #homesellingtips #realestateinvesting
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HOA’s should be illegal.
I would alter this to say for single family detached homes. When it comes to condos, apartments, and other types of dwellings that share a building an HOA makes sense. In those cases, the HOAs should have similar oversight and reporting procedures as public companies.
As long as there's measures for power checks & balances to prevent corruptions or abuses......
HOA should not be illegal. People know when they move into them that there are rules. These rules keep it from looking like you live in the ghetto if you don’t like living in an HOA then sell your place and move out
@@matthewg8168 there is no evidence that HOAs prevent a neighborhood from turning into a ghetto.
@@matthewg8168, when a HOA goes Dictatorship, as these examples demonstrate, that HOA should be dismantled. Every society has its brown shirts that supports these actions and it ALWAYS comes down to supporting someone abusing power and lining their own pockets.
Best solution is never buy a home in an HOA.
They’re everywhere
HOA 's all need to be made illegal.
There's some states where you can't find a house that's not HOA.
Yeah, I was young and stupid and bought a condo. Worst mistake ever. Worst mistake. I just added a new layer of government.
not an option when they are taking over the map and not everyone can afford to buy acreage
When looking for a home, my wife's and my number one rule was "no HOAs." When people asked us why, we said "We're against Nazism."
NO HOAs!😮
Idiots
I do not believe in upgrading a house. Then you pay a annual tax on money that has already been taxed.
Cheaper to move to a house that already built that way.
Perfect reply. 💯
Wish I didn’t buy a home with an HOA
My Grandmas home was FULLY PAID FOR and HOA was still able to take her home. Evil, pure evil. Devastating!
I'd be looking for somebody.
I don't think so
Only buy into a HOA if you own your own land.
Hearing your story leaves me to believe that HOAs are pure evil... the people running them have to be psychopaths
Did she at least get her equity back?
We need to get RID of HOA completely.
HOAs and IRS.
But were all obsessed with property value arent we and whose going to buy your home if you have an extreme horder next door to you with his yard piled with crap?
HOA s suck! 🤩
I agree!!
I love my HOA.
They help maintain a beautiful community while protecting my poverty value.
If you don't like HOAs, don't move to one. It really is that simple.
They should squat in their home since squatters are never evicted.
Perhaps when government collapse..... surviving folks could claim those properties......if they could defend with their own forces...
And don't mow the lawn and have many bar-b-ques.
Nah the laws need to be changed, we need to revolt against our govt
How can you be a home “OWNER” and loose your home? Did you ever own it?
If you think the cops would side with a squatter over an HOA you're smoking crack 🤣
I was in an HOA once, and I won't ever deal with one again. The HOA scam is worse than timeshares.
a lot of people on the HOA board don't have jobs. they're literally living off of being a board member doing only 2 hours of work per month, and siphoning $6k/month from the home owners.
Our HOA is not paid
So what...? There still plenty rooms to play those corruption games.....
Under the table deals? Kick back deals? neighborhood political squabbling?
Wowww, that’s crazy
False. HOA boards can't be paid.
@@PhilOrmsbythough they may not be paid, there are many HOAs that actually steal from the HOA funds for themselves
I'm a real estate broker in CA and I advise everyone to steer clear of HOAs. Dues can go up every year.
Bought a condo in 2018 the HOA fees were $450.00 a month which included all the outside maintenance including Roof,painting, pool service,lawn care. And insurance. It was doable fast forward to 2024 the costs have reached $950.00 not including the reserve fees and there’s no end in sight. Just sold it never again!
@@MrCenturion442 wow, unbelievable, sorry for that, must have been extremely missed managed.
Aren't you supposed evacuated from that state by now?....or see the signs California are sinking like Atlantic epics....into full swing communist+fascist dictator kakistocracy....
@@MrCenturion442Sounds like you are in Florida? I have heard unbelievable stories about HOAs and insurance rates sky rocketing in FL.
Seems like a racket to me people being fined for not putting the garbage cans away instantly what if they work nights what a bunch of BS. Now I get it if they have RV's and broken down vehicles and never keep up with the yard. But some of those things seem ridiculous.
HOA leaders are aweful people. I will never buy another home in an HOA area.
Perhaps some of them are also lower level Deep State Cabal's local operatives.........function to kept folk's life miserable and controlled within "the grids".....!
It's literally like living in "Karen Land" on purpose.
Machiavellian monsters - most "leaders" are power hungry dark Triads. So scary. 😢
Definitely
@@dialecticalmonist3405 the most Karens work for HOAs and Human Resources/“Diversity” positions….hateful people flock to this type of power.
Certain types of people love living in HOA neighborhoods. They are a different breed. Let them all live together.
Like who?
Hard core Democrats, enough said.
Control freaks and Karen’s. Nobody needs that kind of aggravation in their life.
I hate HOA's and would never buy a home in one. My son and his wife were renting a condo with an HOA and they weren't treated kind at all. They would get letters if their trashcan wasn't put in immediately after the trash was picked up (they were at work). They had purchased an item from Home Depot for their patio, and sat it on the porch planning to put it on patio next day, they got a letter. It was some of the most DUMBEST things I've ever heard. I see no reason to ever live in an area that has one and I won't. I've lived in my same home for 20+ years, we have no HOA and everything looks nice here.
That’s nuts. I knew they were crazy a long time ago.
discontent owners must group up and vote out the HOA leaders, they are abusing their power.
Leaving personal property unattended is "Blight" and could invite thefts.
THey must live in a very expensive neighborhood. Those are the worst. But these young things insist on living in them with the Mc Mansion status.
I will never live in an HOA community!
Unless you are sure that HOA is under your controls, or kept your local governing powers not allow any more HOA controlled lands increasing...!
Fascist political+big business land grabs are cranking up!!!......just as "The Great Reset" agendas being pushing NWO....
It's like living in "Karen Land".
@@dialecticalmonist3405 🤣😂🤣
Forget Florida then.
Never!😮
I contacted our governor’s office a few days ago to ask him to make laws to stop these thefts.
Good luck!........hope you could achieve some your objectives before next couple big waves of engineered "Black Swans events" hits near you!
When situations bad enough to activate "C.O.G.:Continuity Of Government".......all games would be over, and back down to rules of the jungle/or radioactive wasteland........
The Legislature makes laws. Not the governors.
Thank you. We need a revolution to vote out all the corrupt state legislatures who have long been emotionally manipulating our states' people with surface level simpleton lies and nonsense while behind the scenes colluding with the banksters and "HOA" crime syndicate to artificially drive housing costs into the Stratosphere and fake "family values" "trickle down" mafia that is actually the ones most responsible for destroying our young hardworking generations
@@CMBBmc-jd6ur governors can lobby legislation
One word, CHINA
I would NEVERRR BUY A HOME WITH AN HOA!! That's like paying for the freedom of homeownership that comes with an annoying landlord!!!
This is exactly why I will NEVER purchase a house in an HOA.
You will have some shit bag living next door with cars parked on the lawn. The house will be painted purple. All the grass will be brown with weeds and so on
@@MrHunt916 😂😂😂 Thank you for a response spoken out of pure overgeneralization. It’s a free country, go ahead and pay for your HOA and enjoy all the “benefits” it brings and freedoms it takes away.
@@ChrisGenXer
Well I’m not saying that to an extent. There is some good and bad right ? It sucks but we have to keep the idiots in check so they don’t ruin our neighborhoods
Im trying to avoid buying any place with an HOA. Total crap.
Do or do not....There IS no try.
@@robertscheinost179 😂👍
go out of your way to not have a hoa. If its like FL leave the state. XD im from there so I know how hard it is to find something outside of a hoa.
Absolutely do not do it under any circumstances.
That only works if the squatters are a color other than white AND 'lost' their documents before breaking into the country. Seriously if you are an American citizen, particularly one who is of European extraction, LE will suddenly be able to remove you, throw you in solitary & delay your court proceedings without an eviction notice ever having been issued. Welcome to America in 2024!
I used to be a real estate paralegal, HOA’s are out of control. The banks insisted on them about 50 years ago. They have to be stopped.
You have to stop communism first. That's what this is.
HOA fees are like taxes paid to the government to have more control over our lives. I purposely look for homes with no HOA, restrictions, and low property taxes.
So, you don't want your home to be worth anything? Low property taxes means low appraisal value when you're assessed.
You know what sounds really libertarian? Buying a camper and living in it. Even if you don't have gas, and it's parked way out in nowhere, it's still a home without taxes.
Boat is better because I can have a nice boat and never pay taxes because I can take it almost anywhere in the world
At my last HOA, the president of the HOA Board had me “shunned by the whole community” for asking how our money was spent.
I refused to buy any home that is in area with HOA. I have heard and read about the injustices that happen because of them.
Same
Same. Why I detest HOAs. They can easily take away the house from right under you over the smallest things.
HOA's should not even be allowed to exist! There is no useful purpose for these to exist in the first place.
I refuse repeat I refuse to even pass by an house that has HOA period that an evil thing
Has anyone know exactly how HOA started to pop up like rotten mushrooms at our resident regions...?
Any way to abolish them?....or, just put a stop to their establishments?
Ppl realize this scheme allows them to seize EVERY HOME, right? All you have to do is keep increasing fees until nobody can afford it and nobody is willing to buy. Perfect scheme.
@@v-2010 they just explained it. Reading is fundamental
@v-2010 do you just like starting arguments on the internet or what. Or you work for an HOA . Lol
Have a nice life.
@@v-2010 if you dont know the incentive there then you should take a critical thinking class. Idk what to tell you.
I owned a condo/townhouse where the HOA bought up the majority of properties thus giving them the majority votes and control and they voted to increase the HOA fees from 100$ to close to 300$ and just kept raising and buying up more of the properties as people sold their units to escape fees. Total Scam
@thanosianthemadtitanic yep 100%. The world is full of scammers, especially in the u.s. everybody is exploited at every opportunity. I'm not sure how someone can be oblivious to this. And enjoys seeking to turn someone's subjective opinions in to an opportunity for an argument. Lol. But to each their own!
Our current home has no HOA, it’s a big reason why I think our neighborhood is so calm and peaceful.
I feel so sorry for those homeowners whose homes have become wrongfully swindled from beneath them over pettiness.
Years ago my fiancé were out house hunting and we were looking In a very nice neighborhood which was close to the beach and a house that was right in our price range. The realtor said “ and the HOA F…….”
Me : NOPE ! We’re all set , thank you for your time ! Thank goodness we found our house we’re in now ! No neighbors no HOA FEES ! It’s absolutely glorious!
Do a little digging and you'll find somebody on the HOA board is a realtor and they're gonna sell the house. It's so wrong. It's crazy. It's inhuman. HOAs need to be regulated in some way.
Nailed it. "HOA" crime syndicate. Of, by and for the "trickle down" mafia rigging and monopolizing the fake "housing market" no limits at-all-costs to society. Literally destroying the young hardworking generations
Our for fathers gave us a way to regulate it by creating the 2nd amendment.
One of the board members where i live owns and rents out several homes in here.
Don't buy into a HOA neighborhood, and you will not have to worry about getting kicked out of your home, Simple common sense
Millions of houses are in HOA. Thats simply not possible. On the other hand, changing laws regarding HOAs is much more easier.
I looked into HOAs when moving to Florida. They did not exist where I came from. The idea of an outside source having control over my property was not compatible with my values so I found a house in an area without an HOA. Had I consented to HOA conditions, I would have invited consequences to teach me what I SHOULD HAVE thought of before I acted!
My friend lives in a condo in South Florida and she just told me she pays $800 a month in HOA fees!!!! 😮 She lives in a 2 bed 2 bath condo!!!! $800/month is CRAZY!!!! 🤯
The HOA monthly dues typically go to pay for all the day to day maintenance, utilities, amenities, administrative fees and other vendor services such as landscaping as well as fire, flood and liability insurance of the condo complex. The fees can vary widely depending on the size of the complex, its location and the amenities it has. Every condo owner shares in paying into the upkeep of the complex.
Dose there ever cases HOA board members arrange deals for receiving kick backs$$$ for themselves?.....transparency for every HOA members?
Even FL might be a "Red state"......how well would folks fair at that already over priced place when US dollars collapse and WW3...?
@@MaryBethMcCoy😂
@@MaryBethMcCoy $800 a month to basically pay for everyone else's maintenance, insurance and landscaping is ridiculous. How much of that is actually going towards the needs of your own home? It's a waste of money.
I have a friend who lives in a Florida over 55s', gated community. Their property is mortgage free, but the HOA fee is $400 dollars a month. The move to Florida that looked like a cheap option a few years' ago is fast disappearing.
I never understood why anyone would actually pay money to be governored.
Taxes
We do it in America
Yes, there's plenty with chronic generational brain washed into "Stockholm syndrome"........and all those power gripping freaks/swindlers are banking on that! unless enough folks could breaking those obedience curses.....and stop being sheep flocks in oblivion....
Starts abolish HOA movement! replace with a survival able true community!
🐑🐑🐑...
@@Freeyourself206 and love it!
Crazy how some HOA members do not get missing for playing with peoples livelihoods
😢😢I'm dealing with this now. I pay all my bills on time yet HOA bug me month after month telling me to redo my entire lawn cuse its too dry, or i didn't pull all my weeds. Traveling for work and having to deal with there monthly BS is just there way of adding fines and leans in order to steal people's home. I'm so mad that I have to spend another 10K just to deal with there BS. I told God I'm done and after this letting the home go and living in rental rooms until I figure something out. My neighbor went through the same thing which is why I'm not sticking around. AND they don't tell you about any fees that's not your normal bill unless you ask for your account statements and any add on they might have. BUT like WHY would I expect add ons if I'm living in my home paying my bills. They only tell you about the 1st fine. That's IT.
That is awful! How can that be legal?
So basically you pay these HOA people to harass you about your property? Why would anyone agree to that ?
HOA has first position over the bank?? Crazy!
No. HOA has the right to do anything if you DONT PAY the fees. Otherwise, they can kick rocks. It doesnt work that simple. Pay your fees and ur good. If not good enough, then sell the place and buy one WITHOUT HOA.
I dont like them either, but I know MANY that dont pay their fees, and because of that, I used to have to pay MORE BECAUSE of those that dont pay.
Yes. They are super lien holders.
Same ppl own the HoA...making double or triple...
Looks like more autonomy for land and home owners are still beats HOA overshadowing our properties rights! Especially current SHTF unfolding situations.....HOA are mostly very much hindering home owners' abilities for their homesteading survival prepping!
US dollars and social orders are collapsing as we speaking!.......guess what's going to happen to those HOA...?
As a non American this is absolutely insane to me.
I’ve only come across the HOA recently and it’s mind blowing
Has that pops your "American Dreams" bubbles yet.....?
Hopefully you have prepping for SHTF though American homelands......as been engineered by those "Deep State Cabals" (that's would blow your mind even more!.......if you just realised the situations really are....)
This is America now. Sad.
So sick of lots of people becoming drunk on power.
Bitter ladies who never made cheerleader...😮
I love getting a letter from my old HOA that said my trash can had to be brought back in from the street after it was dumped by the city. Even though this happens around 10am while I'm at work, I guess the can can't stay out until I get home from work.
The HOA fees should have some kid go around and pull the trash cans back every trash day. I mean, you're WORKING during the day to pay the fees, so the LEAST the HOA can do is pay a kid to go down the block to move trash cans for people at work.
No freaking way I would move into an HOA!!! Screw them!!!
I can’t agree with you more. The problem is that in many places it is almost impossible to buy a home that isn’t in a HOA. I live in an area that is surrounded by these massive HOA housing developments. These places are like cities. It took us over a year to find a place not in a HOA. Fortunately we weren’t in a rush to buy and could afford to take over a year to find a non-HOA home but most people don’t have that luxury.
I was thinking of purchasing a condominium and what stop me was the HOA fees
stopped*
That's depends how reasonable those extra costs exchange the values for what's you could/willing to afford....
@@agustintintin2126 Yeah looking into condominiums just out of curiosity and HOA fees aren’t terrible in my area like $200-$300 usually under $250 unless it’s in a high end area I have seen $400+ it all comes down to what you said pretty much.
@@agustintintin2126 Condo fees can be raised at the drop of a hat. My cousin was stupid enough to buy a condo and was talking about how nice it was not having to mow the lawn or shovel the snow...Until the condo association needed to replace the roof and each unit had to cough up over ten grand extra on the spot to pay for it. Turns out the construction on the units was sandbox quality, making the need for not only the roof but all the hidden construction problems exposed when re- roofing. Say no to condos, over 55 communities and any property in an HOA. You think you own it until you find out you're really just renting. "Here's a $250 fine. I found a blade of grass that was 1/32nd of an inch too long on my, I mean your property." You don't own it. Buy a house and put the "fees" you save into mortgage payments instead.
The "HOA" crime syndicate has zero accountability and is stealing billions of dollars of the rents they're charging while doing no maintenance and letting the condominiums fall apart. It all goes straight into the corrupt pockets and no real oversight or accountability by anyone. There are no random audits, nothing. Do not buy into this corruption that can only hurt you financially just like it's hurting society
So we own nothing ever.
Their is another side to this. 20% of owners in our condo complex aren't paying their HOA dues for whatever reason. As a result of that, owners like myself have to pay higher HOA dues to make up that difference. I'm not on the HOA board, but I can see the purpose of putting liens on some of these owners. Most of them are just investors who don't even live in the property.
People need to be able to do HOA reviews in their neighborhood for all to see
As long as those powers and interests could be truly balance and transparent...
State legislatures need to just flat out outlaw "hoas" on detached properties. The whole thing is destructive to society
I remember a story during the 2009 recession in Arizona when a woman lost her home to an HOA due to missed fees. The HOA sold her home from right under her for 35 dollars. My question are Real Estate agents bound to tell potential home buyers their lot is under an HOA. I would never want to be part of a vile organization.
It depends on what state you live in
Supposed to be in the ad. Real Estate agents are bound to tell potential home buyers whether the lot is under an HOA and provide them with the necessary disclosure documents, including the CC&Rs, to help them make an informed decision about the property
That's part of those corruption on local political and big predator business industrial complex.......
Be alert what they would crank up during US dollars and engineered social collapse...!
In my state, not only does it need to be disclosed that there is an HOA but also a copy of the current CCR must be provided at least 30 days prior to closing
😮
I've never seen an HOA that was not crooked. If I ever buy a house, it will not be in a neighborhood. This is criminal.
Anytime I see an HOA on a property I'm considering to buy, I automatically walk away. NO way I will ever deal with an HOA.
We will never ever live in an HOA community again!
There's only so much limited land..... how can you be sure there's no more "new" HOA pops up to compete obtaining those lands for your next choice homestead....?
What was the reason that made you buy one in the first place
Bought my home back in '09. There were only 4 houses in this subdivision at the time... My house and the other 3 are the only one here that are "grandfathered OUT" of the HOA now that there are 100+ homes here... And that's only because we REFUSED to sign into it.
NOW, they do seem to be EVERYWHERE (here in FLORIDA, at least).
You definitely need community funding for condos or townhouses. Shared property or outside structures. However, municipalities have so many by-laws that HOA'S aren't needed in many communities with single detached housing.
That's why partnering with an HOA to purchase a property is a bad idea. You are spending hundreds of thousands of dollars on the home but the HOA has more power regarding the property than you, and that association did not invest not 1 penny. In fact you pay them to make decisions for you. Even if that HOA seems to be managed rationally, that HOA can change management; and we do not sell one of our largest assets because we do not like the way a narcissist chose to manage a Home owners association do we?
HOAs and trailer parks need to be regulated by law so they cant do this
HOA's should not be allowed to exist without first providing a binding mission statement outlining how they will be useful and provide a necessary function and operation to the neighborhood.
There's time such entity would be too corrupt to be useful or became toys of few control fetish freaks.....
either be very active within HOA to guards your rights? Or, just bend over....if homestead at that properties...?
The HOA that was managing my grandparents housing development was literally communist. They foreclosed on the neighbors home over landscaping of their front yard. That was requiring the contractor to park his equipment on the curb outside the front of their property... So They kept sighting and ticketing them. Well they put a foreclosure notice on the 4th time around. They wound up fighting it out in court for like two years. Because the first judge sided with the HOA and forced them out but upon appeal they won in a higher Court. Then the HOA appealed that decision and lost. HOAs are nothing but legal loophole headaches that violate your constitutional rights.
So ur saying the HOA are the Bourgeoisie's
Thank you for shedding light on these HOA crooks.
I'm sooo glad my home is not in an HOA. I will never buy an HOA home.
Me, who isn't even a little bit close to being able to buy a house: That settles it. I'm not ever moving into an HOA neighborhood.
Never. The commie "hoa" crime syndicate that the terrible "laws" enabling their un-American criminal activities they pushed through the state legislatures set up this whole scheme from day one as a huge grift kickback and private property seizure scheme. It unbelievable the people of any American state are letting this go on.
I am going to pay a group to tell me what i can do on my property? No way in hell. If they want me to abide by rules, they have to pay me. I currently live in neighborhood with no HOA. We actually have freedom here. I will gladly give up some home value for peace of mind. My parents are not deceased and nobody is replacing them including an HOA.
Your city or townships suppose have those duties covered...... why those extra HOA entities to do those redundant jobs?!......if is not some connected multiple levels building complex?
More reasons to abolish HOA as a movements! Especially those independent home building unions with their own plot of land......no matter how small.
@@agustintintin2126: it's quite common now for all those new "planned communities" to take over the duties normally provided by the county, BUT the property tax takes no account of this.
Than have those "planned communities" updates their SHTF survivable_ities factors into their plans....?
Or even aware how current situations are not heading "life's running normal, economy booming, social running orderly..'
Sadly.....many of those HOA meetings we have seen are totally clueless...if not been ignorant to be oblivion...what's unfolding around them!!!
Amen! I will NEVER live in an HOA.
Jackie... I appreciate you putting this info out to warn the public and now I am saving your site so when I am ready to look for another home I will contact you. It's a relief to find an honest realtor.
Thank you Jackie for bringing relevant news. Hopefully some might learn.
I'll never live in an HOA neighborhood
I never bought into an HOA Home and have warned and told others to NEVER buy in them. You buy your house to own it. Not for someone else to own it.
What would annoy me is to get constant letters and/or fines because somebody decided to make it their business to constantly look at my house for any possible infractions. Get out of my life already!
Jackie is the best! She really does her research and is very well informed on all topics she covers. I've learned so much. Thank you!
I would never buy a house any around a hoa
Or better starts movement to abolish HOA!......there's only so much limited land could be homestead!..... more of those HOA hogging up land, the less land resources and freedom folks could make their home with....
HOA's are people who get a little power and go crazy. Reminds me of my history class and what happened in Germany in the 1930's, and America since 2021.
The "leaders" tend to be dark Triads, Machiavellian monsters. Yikes.
HOA's hold elections annually. If you are in a community with an HOA you think is bad, get involved an run to be on the board. Many HOAs have difficulty filling the positions
@@willsx2 Thanks, if I move into a place with an HOA, I'll consider. I know rules have to be enforced, people left to their own devices will do what they want, when they want with no consideration for anyone else. But Jackie's video is talking about the extreme.
Yes. We're on Maritime Admiralty Law. Consequently, we have no rights.
We love our HOA because of the amenities. Pickelball, pools, beautiful landscaping, community centers. However, no one should lose their home over the HOA arrears. They need to change the laws.
The terrible "laws" enabling no limits reveal the whole "hoa" scheme was set up from the very beginning by "trickle down" mafia criminals to steal people's private property
Good lucks...... as long as folks could kept possible corruption clean from their HOA system..........or neighborhood communities....
Of course, up coming US dollars and engineered mass social collapse would be testing how those HOA communities survives......
Foreclosing a whole home over $2,500 is downright evil.
If you are considering buying a home with a HOA, thoroughly read the CCR before buying the house, along with the seller disclosure and looking at property history. If you feel up to it, talk to people in the neighborhood about not only the HOA but other possible issues. No matter what house you are considering (HOA or sans HOA), you have to put in the research to minimize your risk on one of the biggest investments you will make in your life...
Really good advice❤
You are absolutely correct. It is the homeowners responsibility to know what the CC&Rs say: what the rules are, and especially how falling in arrears on dues and assessments are handled by the HOA before purchasing. When you purchase a home in an HOA, it is critical that you know what you are committing to before signing the contract. You absolutely must make the effort and do your due diligence to find out as much as possible about the HOA, its financial health and management. Prospective buyers usually are given copies of the CC&Rs and current HOA financial statement prior to closing on a home. It is your responsibility to review the information.
Also please add a timely major factors in! Which are "survivalabilities" during mass social collapse and WW3 situations......how likely your chosen community or neighborhoods would survive those massive SHTF events currently been pushing by our ruling "elites".....?
Ironically lived in GVR and the Hoa was not fair and equitable. But,many homeowners were letting their property become dumps. People move into an Hoa then don’t want to follow the guidelines. I’ve lived in both and it’s sometimes a trade off.
It depends on the HOA. My HOA only maintains the landscaping, the entrance sprinklers and the road. We r only 17 houses with very little yards. So we pay 142/month ( hasn’t changed in 5 years). Now if you are in a high rise condo in FL you are paying for structural integrity, swimming pools, building maintenance, hurricane insurance. All necessary. In the Northeast you pay for snow removal on the roads and outside parking. Insurance on swimming pools. Waste removal
I agree, I’ve seen HOAs that say it’s just upkeep.
However, I’ll pass on an HOA in general.
Make sure you read all the fine print. My mother lived in a similar sounding community. The HOA was $155 a quarter. She died, and the estate was in probate. I continued to pay the mortgage but didn't know how to contact the HOA. Because NO ONE was responding during C*vid. I figured I would see a notification in her mailbox at some point, so I waited. There was NO notification until I suddenly received a letter at MY house in a different state informing me of the back dues and a lien in the home! They claimed they didn't know my mother had died but somehow were able to inform a lawyer of MY address when I never gave them that information? Ok, no problem, I'll pay the back dues... NOPE, not enough for them. Because they decided to contact their lawyer before contacting me, I had to pay THEIR lawyers fees! Complete BS. HOAs have too much power, and the lawyers involved are predatory.
@@TheSz2012that’s demonic
@@TheSz2012wow! That type of greed is evil and sick!
Right, not all HOAs are bad. My townhome community is good. 🙏🏻🫶
I want to go back to the time where all I took to have a home is to find a nice cave in a mountain, no mortgage, no property tax.
It’s paying someone to tell you what you can’t do. Smh
yeah this should be illegal
HOAs and REITs should be outlawed in america
Never subject yourself to an HOA. Just don't, you will be better off and happier in life.
This is the most corrupt policy nightmare for homeowners. This needs to be changed
Thank you for this video!
HOAs are everywhere in Pennsylvania. You either pay higher taxes with no HOA or lower taxes with an HOA. Take your pick.
Looks like zombie Joe are not only rotten stuffs, folks in Pennsylvania needs to clean out of their house.......!
We should criminalize HOA!.!.
Perhaps not that extreme........ abolishing, and helt HOA's growth might be enough.
Besides......with current corrupt political rankings and near collapsing government systems...... you really have enough faith those politicians makes law to criminalizing correctly......?
HOA's are intrusive and ridiculous!
Just wait CDBC and "Social Credit Score" systems fully rolling out!....and merge in with HOA!!!
"Marks of the Beast" nightmare....?....anyone?
Thank you for sharing that info Jackie. My wife and I are planning on buying a home with HOA fees. I feel more prepared walking into this conversation. Again thanks for the heads up
I lived in an hoa for 18 years, we had 250 + townhomes, I was on the board for a few years. We could never foreclose on a home, even those with thousands in unpaid hoa monthly fees, and thousands in fees for neglecting their home.
I bet you wish you could have though haha
But you should have a lien if they owe to protect the other owners as the HOA has common property it must maintain especially in Condos which includes insurance and water, roofing and foundations. Parking is also part of that maintenance, not just landscaping. Pools and washeterias, clubhouse are perks that must be maintained also.
A lien means if they or family after they die sell the property the HOA finally collects its fees/dues.
@@lindatullos9430actually if they got a new loan or tried to retrieve equity they may have to pay up fees and fines. Some HOAs force owners to get loans to pay off fines or fees. My ex brother in law had his bill like property tax.😂 you had thst choice to pay like trash pickup monthly are yearly. we lived in that same neighborhood but the fees where 8 dollars a month for everyone. So just under $100 a year. Which gave us access to 2 neighborhood club houses and pools in our neighborhood and the one next to us. Rules where very laxed and the homes stayed nice. Roads and streetlights where the city's problem and the HOA only took care of the the clubhouse and pool and around the exterior perimeter fence. Everyone was required to have a privacy fence. If you had a trailer it went behind your fence. Same with non working cars or your boat storage. You could build ur fence up to the sidewalk. So some built side fence up to the sidewalk to store RVs boats and projects down one side of the property behind a privacy fence. No body fenced their whole front yard even tho you could. That was our HOA back in the 70s in Houston ..lol
@@jizzyjake6783 No, i was very much against it. But that said, we had people who abandoned their homes, lived in other states, never did any upkeep and just let the homes fall apart literally, which then effected the homes connected to them. We actually had people complaining and pissed that we couldn't do anything.
I wish I ran into someone like you yrs ago to teach me about all of this.
Teach others now that you know
Thank you for sharing this information
very helpful, thanks for posting
I f*ing hate HOA. We have some neighbors serving on the board & they think they are the 💩🙄
HOA was created by local/county/state governments.
The local governments didnt want to build and maintain infrastructure such as roads/water/sewer/parks. so they created this organization structure called HOAs, and make mid/large size developers form HOA and pay and maintain the infrastructure. over time just like any government, HOA turned into helIish nightmare since the people that seek power and control over others actively seeked positions on the HOA council. most HOA have a tight core power group that runs the HOA like their little private kingdoms.
I would have made a similar post. They are often doing the city or county maintenance functions. If no HOA, the county would bill you. Or put you on the repair schedule.
Hey Jackie!
I just discovered you and you are awesome!
You are intelligent, knowledgeable, compassionate and very personable.
God bless you, your family, your business ventures, and everyone you love!
I worked for Alquest Realty and Allied Mtg. in Coral Springs in the 90's and wish I knew what you are teaching now back then. I hope everyone stuck with these corrupt HOA thieves learn of you.
Thank you for your podcast.
I have subscribed and am an instant fan!
Forclosing on someone's home for owing $2500 in fees. Those HOAs are EVIL. If someone isn't paying their fees, they can simply knock on the door and have a conversation with the homeowner. If they can't pay then put them on a plan to have it paid off in a year.
I don’t think you should lose your house over an HOA either but there are so many deadbeats that just won’t pay. Having a conversation with some people will never result in payment of any kind. I’d never buy under an HOA but I don’t know what the answer is. In the end the other responsible homeowners will have to pay more to fund the ones who refuse, just like government and taxes.
Don't never and I mean never buy a house with HOA's fees 😮😮😮
I have moved a bit and have had horrible neighbors who have been extremely dirty. Among other things, no house or lawn maintenance, garbage piled up, absurd statues, broken kid toys laying around, etc. I was calling the cities with complaints that violated local ordinances every week or so. I’m a good neighbor who has asked them to fix the issues and have offered them help in many ways. When I finally purchased my house, I made sure I was moving into an HOA community. If you don’t like it, do not move into one. When you are buying a house check with the municipality’s deed as sometimes realtors will not give you the correct information.
Finally, some common sense.
Love your channel, I just subscribed! Thank you for the mentorship on HOA's! 😃
Great information ! I don't and would not live under such an agreement but this will help many people become aware of the situation. My kids have a new home in Colorado , I will send this video to them. Thanks Much !
Another thing in FL is that recently I was going to buy a house to live in, BUT i noticed in the budget that for some unexplained reason, the HOA was collecting about 3-4k per month on late fees in a community that has about 200 houses. When I saw that number, I'm like "That can't be right; your telling me that most people living here are behind or paying late"? So a requested the minutes and spoke with 2 or 3 homeowners I saw walking and what they told me that when they send their checks via mail, the HOA BANK/ALWAYS claims they never get the checks and if the owner is not checking if it was cashed, they will add a late fee of 35 buck. On top of that late fee they charge like a 5% convenient fee to pay online and if you end up paying with a Credit card to prevent the late payment fee, they will add and even bigger convenience fee to the transaction. One of the people I spoke with told me that he had sent a check with a month of anticipation and they will still cash after due date charge the extra fees and not even consider that the checks was sent with a month of anticipation.
Follow the money, who is profiting off this?
Sounds like Amerigas the rip off propane company.
That should be considered illegal and be fought in court.
@@bethpent8851it is illegal, it is called fraud.
@@bethpent8851 in my opinion, it should. But the homeowners needs to organize and sue. I decided to stay away from buying there.
I lived in an HOA in Florida. They were constantly assessing people for violations- roof cleaning, etc. and had liens on several houses. When we sold and were moving they had the NERVE to take $350 from our proceeds to check if we had liens for violations! HOAs are the pits! That said I live in an HOA now in the Midwest in a community of 31 homes- we pay $500 a year which covers garbage and recylcing and maintenance of the front area of the community and a once a year barbecue which the HOA hosts- a breath of fresh air compared to the oppressive Florida HOA.
Just curious what exactly is stopping your new "HOA" in Texas from running amuck or other "HOAs" in your area from acting as the Florida one? Is Texas doing anything different than Florida? But say you want to move again at some point and everything is now "HOA" and they're all doing like the one in Florida? What's stopping them?
Plenty of no HOA's in AZ - moved to Scottsdale last year (no HOA) and its sweet heaven - no crime, no traffic, classy respectful folks, low re taxes and now you can add ADU's to Phoenix props for retirement income
While my wife was looking for our house, I specified no HOA. Evil people.
This is completely insane. Everybody should IMMEDIATELY FLEE a country that allows this to happen. Unreal.
@v-2010 don't be a troll. There is this concept called reasonableness. If seizing a $400,000 asset is reasonable to you for missing a few hundred in fees, then welcome to America.
@@marc37921 there is no such concept
HOA needs to be outlawed.
I absolutely did. What the hell sort of country are we living where you must sign agreements that dictate your rights on your property? We can't build a shed on our property because it's considered 'an eye sore.' Excuse the hell out of YOU, an eye sore? IT'S A SHED.
Thank you!
At least in my experience, the mgmt of the HOA is outsourced to a FOR PROFIT third party. I would not surprise me, if these Mgmt Comp. weren't working in tandem with corporate real estate investors and those mgmt companies were tipping off the investors who come in with CASH to swoop up the property
When I bought my house in Las Vegas I have a few houses my number one thing was no HOA at all costs
Thank you so much for the information it is invaluable
Wow! HOA’s are insane. There is no way I would pay to be harassed in my own home that I’ve already bought! Hell no!
And let's not overlook who the people are that are standing waiting to scoop up your property.
Either they are still delusional with their "normalcy bias"......or they are just "white gloves" agents from one of those giant predatory investments groups(such as Black Rocks....etc.)