HOA's Are Ruining Affordable Neighborhood Homes

The complex world of Homeowners Associations (HOAs), describes them as both a necessary and problematic aspect of modern homeownership. The increasing prevalence of HOAs in the U.S., noting that they often serve to maintain property values but can also exert significant, unchecked power over residents, often with discriminatory undertones. The origins of HOAs, their role in maintaining property values, and the challenges homeowners face in dealing with overly strict or arbitrary rules in the most affordable neighborhoods.The legal difficulties in contesting HOA decisions, as courts and states generally adopt a hands-off approach. The broader implications of HOAs in terms of privatization and governance, suggest a need for more regulation and government oversight to address their unchecked power and potential for abuse.

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Kristina Smallhorn
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Prairieville LA 70769
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eXp Realty LLC,2900 Westfork Dr. Suite 401, Baton Rouge LA 70817
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Kristina Smallhorn is a licensed REALTOR® with the state of Louisiana, License number 0912122918
Disclaimer:

[kurtwillig]

As a lawyer I am appalled at the lack of due process. HOA fines you, you have to pay it. No arbitration, no appeal, no hearing. That is a dictatorship.

[yellowbutterfly]

I owned a house in a nice neighborhood with an inactive HOA. After a few years, a man bought a house there, activated the HOA, hired a management company and named himself the HOA President. Then, he sent out a notice to the 104 homeowners of the first annual meeting, along with a bill of what our monthly fees were going to be, over $160. At this first meeting, 102 homeowners showed up and we fired the management company, voted out that President, voted in new officers and then agreed on one annual expense of common area insurance which was very little annually per household. I despise HOAs!

[WillMoon]

The crazy thing is seeing these neighborhoods where people are paying hundreds of dollars a month in HOA dues. I almost moved to a neighborhood two years ago but stopped when I realized they had a $500/month HOA due. Ridiculous

[raymeraw]

My mother worked for a Homeowners Association Property Management and after seeing it first hand, she advised everyone not to buy a home with a HOA.

[HomeRapidRepair]

My wife once picked a lot to build on in an HOA neighborhood, I said heck no. I want freedom. No HOA for me 🇺🇸

[jodiburnett]

I had to sell my townhome because they stole money! And during Covid they hit me with a crushing new roof assessment for $7k.
I was paying $400 per month when I bought.
By the time I sold, my payments were the same as my mortgage payment.
I’ve heard from former neighbors those new roofs were leaking like a colander last winter.
I will never buy into a HOA ever again.
The people who stole were never prosecuted.
This is a tragedy.

[marcusdisalvio]

The sick part of being part of a HOA is that it's just like high school if the members don't like you they can and they will gang up on you and fine you until either you leave voluntarily or they put a lien against your home and force you to sell at a massive discount

[lorijb]

People need to start telling their realtor they will not look at any home that has an HOA, that's the only way it will stop!! We the People have the power!

[cmackscott]

My wife flew from LA to an area north of Atlanta back in 1993. She found our home in an area of North Georgia about 40 minutes above Atlanta. A the time our town was small and our neighborhood did not (still doesn't) have an HOA. We've been here 30 years. No one ever painted their house blue with purple and yellow stripes. Since 1993 our city has grown and become a "destination city". For example, we had someone from London England take their vacation here at an Airbnb next door. People walk through our neighborhood from the surrounding neighborhoods because the homes are built far apart and there is a lot of natural beauty. I met someone last year in a neighboring subdivision with an HOA. She was fined because kids playing in her front yard landed a frisbee on her roof that was not taken down within the specified time. IMO, HOAs provide an outlet for people with fascist inclinations.

[soholingo]

Once you realize that "ownership" means you can do what you want to the item that you "own", you realize that HOAs completely remove the ability for someone to own a home.

[MilaN-ltmq]

I live in a beautiful neighborhood where everyone maintains their property and we have no HOA. I don't understand why I would ever need anyone to tell me what I can and can't do on my own property. I would never buy a house with HOA. I think it's a scam.

[KarrieJ.Butler]

You forgot to mention assessments! I just dumped my ocean front condo in Hawaii with $980 per month HOA fees. I had to pay off the $10K painting assessment from the previous year. Before most of us paid off that assessment, last week owners got hit with a new assessment for $17K! By going to the meetings I knew there were going to be even more coming in the future. It was cheaper for me to let go of my 2.3% loan and buy a house without an HOA with a 7.2% loan! Oh, and I had to replace my new car on top of everything, because two years of sitting next to the ocean destroyed it. I thought I was living the dream, but instead it turned into a nightmare! 😭

[victorsong]

When houses for sale are advertised as: "No HOA!", you KNOW that an HOA home is now worth LESS than a non-HOA house - period.
HOA no longer preserve home values, but REDUCES them.
I lived in an HOA house/community before. I could hardly wait to get out and I would NEVER again would buy, and move into an HOA condo or house-community.
No way...

[JoelUldrych-khsc]

We were in an HOA. Hardly many would show up to meetings. The neighbors and us got an attorney, and we dissolved it.

[jameskiehm]

The foreclosure issue is the most egregious issue. There needs to be a law requiring an absolutely no surprises process for foreclosure. The owner should always have the ability to rehabilitate the situation or sell the home on their own to avoid losing the value of the home.

[angieherrera]

Let's push our representatives to put a stop to HOAs.

[marshamercer]

Its time we pass legislation against them.

[bellybooma]

Issue with HOA is that anyone who actually works a job and has real responsibilities usually doesn't have time or energy to attend meetings, vote, or be on the board. It ends up being monopolized by a small 1% who really have nothing better to do.

[Ebene]

Every year as a working adult I wonder more about why I pay taxes when the government is actually pushing all the responsibility on everyday Americans. Hoas arent responsible for the lawns, sidewalks, trash etc, thats what we pay taxes for. This is the worst service I've paid for

[ede]

I bought my first home when I was 28. The HOA painted our homes every 5 to 6 years, mowed the grass, handled community shared areas. It sounded great! It took a few years before I realized how blatantly stupic and naive I was. They were a mini-dictatorship - so many restrictions. One day I received a letter stating I was not allowed to remove a section of fence on my property to make space for a jet ski. I spent hours looking for it. I didn't know I had one, but they said I did. After calling them and asking about it, they said they made a mistake. I am far too intelligent to fall for the HOA scam again. Any future homes for me have one very simple non-negotiable requirement - NO HOA!