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The HOA Handbook
The HOA Handbook

Demystifying HOA Rules & Guidance on Dealing with HOAs

The HOA Handbook
The HOA Handbook

Demystifying HOA Rules & Guidance on Dealing with HOAs

  • Budgeting and Assessments

Creating an Effective HOA Budget: A Step-by-Step Guide

Close-up of a magnifying glass over euro banknotes and a calculator, illustrating careful budgeting for an HOA

HOA budget guide: steps, key questions, reserve planning, rules & guidelines, transparent reporting, board-ready help.

  • Brandon Chatham
  • April 27, 2026
  • Budgeting and Assessments

Are Utilities Included in HOA Fees? A Homeowner’s Guide

A tall vertical utility pole with a coiled cable against a clear blue sky, with a small carport-like structure in the foreground.

Homeowners: Includes utilities in HOA fees, what's billed separately, plus answers to questions, rules, guidelines, and help.

  • Brandon Chatham
  • April 26, 2026
  • Financial Transparency

How to Request and Read HOA Financial Statements (A Step-by-Step Guide)

Dollar bills planted in soil with a small garden trowel, symbolizing digging into HOA finances.

Step-by-step guide to requesting and reading HOA financial statements: questions, rules, guidelines, and help.

  • Brandon Chatham
  • April 26, 2026
  • Financial Transparency

Are HOA Records and Financials Public Information? Understanding Access Rights

Close-up of a calculator and a financial ledger with a pen, illustrating HOA financial records and access considerations

Are HOA records and financials public? Who may view, questions to ask, how to request, fees, privacy, rules, guidelines, help.

  • Brandon Chatham
  • April 25, 2026
  • Budgeting and Assessments

Understanding HOA Financial Ratios: How to Assess Your Association’s Fiscal Health

Chalkboard with the word 'RESULTS' and the word 'EXCUSES' crossed out in red, symbolizing accountability in HOA financial health.

HOA financial ratios: how to assess your association's fiscal health with questions, rules, guidelines, and help.

  • Brandon Chatham
  • April 24, 2026
  • Financial Transparency

What to Do If Your HOA Denies Your Financial Records Request

Close-up of an old legal document with a circular seal and flowing handwriting

HOA denies financial records: answers to questions, rules and guidelines, practical steps, escalation, and sample letters.

  • Brandon Chatham
  • April 24, 2026
  • Budgeting and Assessments

When Are HOA Fees Due? Payment Schedules Explained

Close-up of a portrait on a U.S. dollar bill

HOA fee due dates, payment schedules, late fees, grace periods, methods, exemptions, FAQs, rules, guidelines, and how-to help.

  • Brandon Chatham
  • April 22, 2026
  • Budgeting and Assessments

Are HOA Fees Included in Mortgage Payments?

Suburban single-family home with a manicured yard and clear blue sky, representing communities with homeowners associations.

Clarifies if HOA dues are included in mortgage payments, with escrow tips, budgeting, lender questions, and HOA rules & guides.

  • Brandon Chatham
  • April 22, 2026
  • Meetings and Communication

Understanding HOA Meeting Minutes and Why They Matter

People seated around a table reviewing documents, with a laptop and drinks, during an HOA meeting.

HOME Owners Association: minutes—questions to ask, rules, guidelines, and how to read them to guide decisions and get help.

  • Brandon Chatham
  • April 21, 2026
  • Changes to Rules and Bylaws

How to Propose a New Rule or Change at an HOA Meeting

Wooden gavel in mid-swing over a sound block on a light background

How to propose a new HOA rule: draft proposal, gather support, present at meeting, address concerns, follow board process, voting.

  • Brandon Chatham
  • April 21, 2026
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