Free HOA guides, templates & compliance resources
State-specific compliance guides, downloadable templates, and practical how-to playbooks built for self-managed HOA boards.
State Compliance Guides
State-specific legal and operational requirements for HOA boards.
Explore Compliance GuidesFree HOA Templates
Meeting notices, violation letters, collection letters, budgets, and ARC forms.
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Practical board operations, collections, meetings, vendors, and budgeting.
Read GuidesHOA Laws & Operations Explained
Plain-English explainers for homeowners and board members — no legal jargon.
Read ExplainersHOA Calculators & Interactive Tools
Plug in your numbers and get a plain-English answer — starting with the Special Assessment Payment Planner.
Explore CalculatorsBoard Decision Intelligence
8 clusters · 48 board decision guidesEvery major operational scenario a board faces — codified into decision guides with embedded tools. Click any cluster to explore its guides.
Homeowner Intelligence
4 clusters · 40 guidesHome buying, mortgages, market analysis, and property insurance — a complete library for informed homeowners.
The 2026 Florida HOA Chapter 720 Compliance Guide
Meeting notices, records inspection, fines, and annual reporting — the complete operational playbook for self-managed Florida boards.
Florida HOA Meeting Notice & Agenda Template
Statutorily compliant under F.S. § 720.303(2). Copy, fill in the brackets, post 48 hours early. Includes Word + PDF download.
Florida HOA Billing, Collections & Estoppel Guide (Chapter 720)
The statutory payment waterfall, 4-step lien timeline (NLA → NIL → Lien → NIF), bank safe harbor rule, and estoppel certificate compliance with current DBPR fee schedule — a board member's manual for § 720.3085 and § 720.30851.
California Davis-Stirling Act Compliance Guide (2026)
Civil Code § 4000–6150 in plain English — open meetings, IDR, ADR, and annual disclosures for self-managed California HOAs.
California HOA Meeting Notice & Agenda Template (Civil Code § 4900)
Pre-meeting notice requirements, open meeting rules, and executive session limits — with a copy-pasteable agenda template.
California HOA Annual Disclosures Checklist (All 23 Davis-Stirling Requirements)
Interactive checklist of all 23 required disclosures under Civil Code §§ 5300 & 5310 — with exact statutory citations, item descriptions, and delivery rules. Check each item as you compile your annual packet.
Texas Property Code Chapter 209 HOA Compliance Guide
Open meeting rules, notice requirements, mandatory payment plans, the 209 certified mail fine notice, and ACC committee rules for Texas HOAs.
Texas HOA Open Meeting Rules: What Boards Get Wrong
The 144-hour regular vs. 72-hour special meeting notice distinction, executive session rules, and actions boards can’t take outside a meeting.
Texas HOA Payment Plan Policy Template (§ 209.0062)
Statutory payment plan requirements, mandatory acceptance triggers, and a copy-pasteable policy document for Texas treasurers.
Colorado CCIOA & HB 22-1137 HOA Compliance Guide
The 2022 fine policy overhaul, 30-day cure windows, dual-delivery collections, 18-month payment plan mandate, and CCIOA open meeting rules — what changed and what your board must do now.
Colorado HB 22-1137 Fine Policy Template
The $500 fine cap, 30-day cure window, hearing and fact-finding process, and health-or-safety exception under § 38-33.3-209.5 — with a copy-pasteable fine policy template.
Colorado HOA Collections Policy & CCIOA 18-Month Rule
Payment plan timelines, dual-delivery notice requirements, lien thresholds, and the foreclosure prohibition under CCIOA — with a copy-pasteable policy template boards can record today.
The 2026 Arizona HOA Compliance Guide — Planned Communities Act
Open meeting rules (§ 33-1804), records inspection (§ 33-1805), ARC procedures, solar protections (§ 33-1816), assessment liens (§ 33-1807), and reserve planning — the complete operational playbook for self-managed Arizona boards.
The 2026 Washington HOA Compliance Guide — RCW Chapter 64.38
Open meetings, records inspection, solar protections (RCW 64.38.055), assessment liens (RCW 64.38.045), and WUCIOA scope — the complete operational playbook for self-managed Washington boards.
The 2026 North Carolina HOA Compliance Guide — G.S. Chapter 47F
Meetings, records inspection, $100 fine cap (G.S. 47F-3-107.1), assessment liens (G.S. 47F-3-116), nonjudicial foreclosure, elections, and budget ratification — the complete operational playbook for self-managed North Carolina boards.
The 2026 Georgia HOA Compliance Guide — POAA
POAA vs. non-POAA authority, automatic assessment lien (O.C.G.A. § 44-3-232), $2,000 judicial foreclosure threshold, 21-day meeting notice, and payoff statement rules — the complete operational playbook for self-managed Georgia boards.
The 2026 Virginia HOA Compliance Guide — POAA
Open meetings, 10-business-day records requests, $50/$10-per-day enforcement charges, 90-day charge cap, $5,000 foreclosure threshold, reserve study duties, and the CIC Ombudsman complaint process — the complete operational playbook for self-managed Virginia boards.
The 2026 Illinois HOA Compliance Guide — CICAA
CICAA applicability and exemptions, open meetings (closed-discussion vs. open-vote rules), 30-day records response, the 115% budget-challenge threshold, solar and native landscaping rights, no-universal-fine-cap enforcement, and the Ombudsperson complaint process — the complete operational playbook for self-managed Illinois boards.
The 2026 South Carolina HOA Compliance Guide
January 10 rule-recordation deadline (§ 27-30-130), 48-hour budget-increase notice for non-nonprofits (§ 27-30-140), Consumer Affairs complaint forwarding (§§ 27-30-310–340), Nonprofit Corp Act meeting and records rules, and document-based authority for fines, liens, and foreclosure — the complete operational playbook for self-managed South Carolina boards.
The 2026 Tennessee HOA Compliance Guide
Community type identification (subdivision vs. condominium), reserve study mandate for condominiums (§ 66-27-403), statutory assessment lien from time due (§ 66-27-415), annual unit-owner meeting and 10–60 day notice (§ 66-27-408), financial records availability (§ 66-27-417), and document-based authority for subdivision HOAs — the complete operational playbook for self-managed Tennessee boards.
The 2026 Utah HOA Compliance Guide
Commerce registration with direct lien consequences (§ 57-8a-105), 48-hour open board meetings with owner-comment period (§ 57-8a-226), 15-day rule-change notice with 51% owner veto, written-warning fine procedure with 30-day hearing right (§ 57-8a-208), statutory lien (§ 57-8a-301), nonjudicial foreclosure limits, reserve analyses every 6 years (§ 57-8a-211), solar access (HB 119, 2025), and water-wise landscaping rules — the complete operational playbook for self-managed Utah boards.
The 2026 Oregon HOA Compliance Guide
Community classification (Class I/II/III), open board meetings with executive-session reconvene requirement (ORS 94.644), 20% default quorum, $75K CPA review threshold (ORS 94.670), reserve studies (ORS 94.595), fine-schedule delivery rule, 6-year lien limitation, electronic-notice prohibition, fire-hardened materials (2026), EV charging (ORS 94.762), solar (ORS 94.778), pesticide opt-out, and pre-litigation dispute-resolution offer — the complete operational playbook for self-managed Oregon boards.
The 2026 New York HOA & Condominium Compliance Guide
No single HOA statute — N-PCL default rules, RPL Article 9-B for condos, no statutory fine cap, judicial-only foreclosure under RPAPL Article 13, the new 90-day pre-foreclosure notice, and no statewide reserve mandate — the complete operational playbook for self-managed New York boards.
The 2026 Ohio HOA Compliance Guide — R.C. Chapter 5312
No statutory fine cap, the § 5312.11 hearing timeline, a lien that arises 10 days after an assessment is late but expires after 5 years, judicial-only foreclosure, and the 2022 SB 61 reserve, solar, and insurance updates — the complete operational playbook for self-managed Ohio boards.
The 2026 New Jersey HOA Compliance Guide — PREDFDA
The Radburn open-meeting reforms, unconditional records access, no fine cap, the 6-month super-priority assessment lien, judicial foreclosure, and the mandatory capital reserve study with personal DCA fines against noncompliant board members — the complete operational playbook for self-managed New Jersey boards.
The 2026 Michigan HOA & Condominium Compliance Guide
The Condominium Act vs. nonprofit-corporation-law split for non-condo HOAs, no statutory fine cap, a bylaws-dependent fines-as-assessments rule, both judicial and non-judicial (by advertisement) foreclosure, and the 10% noncumulative reserve floor with no study requirement — the complete operational playbook for self-managed Michigan boards.
The 2026 Minnesota HOA Compliance Guide — MCIOA & the New Bill of Rights
The brand-new 2026 HOA Bill of Rights — a $100 fine cap, a private right of action with punitive damages, mandatory state registration, a free Ombudsperson office, the automatic MCIOA assessment lien, and both foreclosure paths — the complete operational playbook for self-managed Minnesota boards.
Nevada NRS Chapter 116 HOA Compliance Guide (2026)
Board certification (Form 602), NRED Ombudsman audits, record retention rules, financial review tiers, and the super-priority lien collection process for Nevada HOAs.
Nevada HOA Ombudsman Records Audit Checklist
Record retention timelines, Form 530 trigger process, and the 21-day production window — organized for board-ready NRED audit readiness.
Nevada HOA Reserve Study Compliance Checklist (NRS 116)
The 5-year inspection cycle, NRED Form 609 filing, RSS permit requirements, annual budget disclosures, and the board's unilateral funding powers under NRS § 116.31152.
HOA Board Meeting Agenda Template
A structured, board-ready agenda covering all 13 standard items — call to order through adjournment. Works in all 50 states.
HOA Board Meeting Minutes Template
Capture motions, votes, attendance, and action items in a board-ready format. Includes executive session handling and secretary certification.
HOA Annual Membership Meeting Agenda Template
A complete annual meeting agenda covering certification of notice, quorum verification (including proxies), director elections, and all 13 standard items.
HOA Annual Membership Meeting Minutes Template
Official annual meeting minutes covering proxy counts, director election results, financial reports, and secretary certification across 12 required sections.
HOA Delinquent Assessment Collection Notice Template
All six collection stages in one document — friendly reminder through attorney referral — with account summary table, late fee tracking, interest calculation, payment plan option, and collection stage tracking.
HOA Payment Plan Agreement Template
A binding payment plan agreement — not a request form. Covers itemized delinquent balance, clear payment terms, default provisions, board approval, and dual signatures. Works in all states.
HOA Violation Letter Template
All four notice levels in one document — courtesy notice through hearing notice. Includes CC&R citation, compliance deadline, enforcement checkboxes, and case tracking.
HOA Hearing Notice Template
Formal, neutral, and procedurally complete. Issue a defensible hearing notice before fines or enforcement actions — covers alleged violation, owner rights, hearing procedures, possible outcomes, and due process certification.
HOA Annual Budget Template
A spreadsheet-ready budget template covering operating expenses, reserve contributions, and per-unit assessment calculations.
HOA Welcome Letter Template
A complete new homeowner welcome letter covering association overview, governing documents, assessment details, payment options, resident portal, emergency contacts, and a get-involved invitation. Send within days of closing.
HOA Architectural Review Request Form (ARC Application)
A complete ARC application covering all 12 project types — fences, paint, roofing, solar, pools, decks, and more — with materials detail, contractor info, 10-item attachments checklist, homeowner acknowledgment, and ARC decision block.
HOA Vendor RFP & Bid Comparison Templates
Two-template procurement kit: a Request for Proposal to send vendors + a 4-sheet Excel workbook with weighted scoring matrix and board decision record.
HOA Incident Report Form
A complete, print-ready form covering all 12 incident types — slip and fall, property damage, vehicle accident, vandalism, water leak, and more — with injury details, witness statements, insurance tracking, and a board-only case status section.
HOA Reserve Planning Spreadsheet (10-Year)
A simple 10-year reserve planning tool for self-managed HOAs. Track roofs, pavement, pools, fencing, and other common-area assets. Estimate annual reserve funding needs and project future reserve balances — without hiring a reserve consultant.
HOA Board Resolution Template
Formally adopt rules, policies, and operational decisions with a proper board resolution — covering purpose, authority, enforcement, and board certification.
HOA Proxy Form Template
General and directed proxy options for annual and special meetings — lets absent members count toward quorum and have their vote recorded.
HOA Special Board Meeting Notice Template
Proper notice format for calling a special board meeting — covers purpose, limited-agenda language, virtual meeting info, homeowner attendance rights, and certification of notice.
HOA Board of Directors Election Ballot Template
A complete election ballot for director elections — up to 6 candidates, write-in option, in-person and mail-in voting with envelope chain of custody, and inspector of election results record.
HOA Board Member Election Nomination Form
Collect candidate info, eligibility certification, biography, conflict of interest disclosure, and skills checklist before the ballot is printed. Includes association verification block.
What Is the Davis-Stirling Act?
What the Davis-Stirling Act means for California HOA homeowners and board members — meetings, elections, fines, assessments, records, and solar rights explained in plain English.
What Is NRS 116?
What NRS 116 means for Nevada HOA homeowners and board members — board certification, NRED audits, the super-priority lien, collection fee caps, and web portal requirements.
HOA Liens Explained
How HOA liens work, what triggers them, and what your association can do — lien procedures, foreclosure thresholds, payment plans, and key state variations.
HOA Collections Process Explained
How the HOA collections process works — from late notices to liens and foreclosure. Covers payment plans, fee caps, and your rights at each stage.
HOA Foreclosure Explained
Can your HOA take your home? How HOA foreclosure works, when it applies, and how to stop it — judicial vs. nonjudicial, super-priority liens, and right to cure.
Reserve Studies Explained
What an HOA reserve study is, why it matters, and what percent funded means. Covers funding plans, state requirements, and how to avoid surprise special assessments.
Special Assessments Explained
What HOA special assessments are, when they're allowed, and what you can do. Covers member vote requirements, payment plans, and how to avoid them.
What Is WUCIOA?
Washington's modernized HOA law — applicability, opt-in, meetings, records, reserve studies, and resale certificates under RCW 64.90.
What Is the Arizona Planned Communities Act?
Arizona HOA law covering open meetings, records, fines, solar rights, political signs, and assessment liens under ARS Title 33.
What Is the Virginia POAA?
Virginia's Property Owners' Association Act — meetings, records, enforcement charges, liens, reserve studies, and the CIC Board complaint process.