HOA Stories
Homeowner-first · Independent

You live there. Your side belongs on the record.

Reviews, ratings, real stories, and know-your-rights tools for people living under HOAs and condo or co-op associations. Rate your association, read what neighbors went through, learn the statutes, and use AI tools built to help you push back.

Or jump straight to the violation-letter analyzer and see what your notice actually says.

Why homeowners use it

Real ratings, not PR

Star ratings and category breakdowns from the people who actually live there — the board's view isn't the only one on record.

Anonymous, moderated, fair

Post pseudonymously under clear rules. AI moderation screens and redacts before anything publishes, and reviews target the entity, never individuals.

Rights you can act on

Editorial guides that cite the governing statutes in plain English, organized by state and topic, so you walk into a hearing prepared.

Tools that draft for you

Read a violation notice, parse a 90-page declaration, and generate a records request or appeal — informational and draft-only, never legal advice.

How it works

  1. 01

    Find your association

    Search the directory and open your HOA, condo, or co-op page — built from public records, not industry data.

  2. 02

    Read and rate

    See homeowner ratings and stories, then add your own. Reviews are about the association and its board — never named people.

  3. 03

    Know your rights

    Pull up plain-English, state-by-state guides on fines, foreclosure, records, elections, and selective enforcement.

  4. 04

    Fight back with the tools

    Drop in a violation letter or a governing document and get the facts, the red flags, and a draft response to send yourself.

Recent stories

All stories →
Fines

A $50 fine became a lien before I ever saw a hearing notice

What the bylaws required, what actually happened, and the records request that turned it around.

De-identified · Moderated
Selective enforcement

Cited for the same fence three neighbors still have

How I documented the inconsistency and framed it against the declaration.

De-identified · Moderated
Architectural review

Six months of silence on an ARC request, then a denial

The notice-and-response timelines the association skipped — and the letter I sent.

De-identified · Moderated
Featured association

See what an association page looks like

Each association page leads with homeowner ratings and stories, then layers in the rights context for that state. Pages only enter the index once they carry real, unique substance — never thin directory stubs.

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Be the first homeowner to put your association on the record.

The homeowner tools

The same kind of document AI the industry points at boards — pointed the other way, at you. Informational and draft-only, with a not-legal-advice notice on every result.

Violation-letter analyzer

Live

Paste a fine or violation notice. Get the cited rule, the deadline, your appeal rights, the red flags, and a draft response.

Governing-doc reader

Drop in CC&Rs or bylaws and ask 'can they do this?' — with the relevant provisions and amendment thresholds surfaced.

Rights-by-state lookup

What your state's statute generally says about fines, foreclosure, records, and elections.