I wrote this nanobook after many unpleasant, encounters with my HOA in Texas. At first, I wanted to write a full-resource book but soon, realized there are several excellent books on the market. No need to reinvent the wheel.
So, I decided to write a nanobook, a short and sweet "article-size" book, about the entire HOA industry, something people could read in under an hour and learn enough to get mad. Really really, mad. And, after they got mad, spring into action and do something about it.
My nanobook does not provide details on how to fight your HOA. It sheds lights on what HOAs are, and how, dangerous they can be, if you don't watch your back. I give some background and history on the HOA, your home/land ownership, how cities and the US government can seize your home and land without your permission, and list a bunch of cool resources in Chapter 13.
Sadly, there is no one book on the HOA industry or HOAs, in general, that details everything you need or wish to know. I do pray you will find this, nanobook and the resources I've gathered helpful in some way.
Unless you own a Rolls Royce or restored WWII P-51 Mustang, your home is your biggest and most important material investment, and the equity your home generates over time is the largest part of your family's wealth.
The "American Dream" has long been a mainstay of our culture. Perhaps its most important part, short of becoming a millionaire, has been owning a home and property. And, with that dream comes a steep price, a literal one: most people cannot afford to pay for a house in full, so they enter into a mortgage agreement that allows them to take out a loan to fund their dream.
As of December 2020, the median home price in the U.S. was about $200,000 and featured three bedrooms and two and a half baths under 1,500 square feet of living space.
That short description is dreamy enough, until you throw in other factors like interest rate, property taxes, and other fees most people don't expect.
Americans with a mortgage will pay nearly twice the list price for this home over the span of fifteen or thirty years, and most will never even pay off the mortgage. That's close to 100% interest, though all choose to ignore it, instead entering into a usurious contract that will likely cause great anxiety in the future.
All to live the great "American Dream."
This nanobook takes an in-depth look at America's secretive, dangerous and corrupt industry that is carefully, designed, maintained, and protected, by the federal government, and the U.S. Supreme Court, and all states and local governments. Our aim is to educate you and your family about how to protect yourselves against the entities that seek to rip you off and take your home away from you.
Here we present background information and history about owning a home in America today, and some of the pitfalls.
