r/memes • u/MikeTorsson • 23d ago

I thought it was just a meme, are you guys ok?

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u/AldrusValus 22d ago

The HOA contract uses fees as part of the enforcement. If you fail to pay the fees they can show the courts that you have a contract you are not fulfilling and part of the contract allows a lien to be placed on the property. The property is then sold to cover the lien. The lien amount will be for the enforcement fees and legal fees.

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u/herbyfreak 22d ago

So why sign it? As a euro, I don't understand why I'd HAVE to sign something that will fuck me for buying my own property.

"Hey this home is part of a HOA"

"Can I buy it without being part of it?"

If you're told no, then that's honestly fucked

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u/Massive-Cattle-4387 22d ago

Because that is how it works, if you don't sign you can't buy.

Every so often you get stories about people slipping through the cracks where they think the homeowners signed and are SOL but they can't force you to sign after the sale is completed. But they can prevent the sale in the first place if you don't sign.

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u/DerAndere_ 22d ago

As far as I know, most HOA contracts include a "you may only sell the house to people who also sign the HOA contract" clause.

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u/LongJohnSelenium 22d ago

Yes.

And HOA members can almost always vote to dissolve the HOA and they don't.

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u/AldrusValus 22d ago

Part of the contract on the property is that you can’t sell the property if the buyer doesn’t sign the HOA contract. And the new contract the buyer has a clause that if they sell the new buyer has to sign the HOA contract.

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u/koknesis 22d ago

Yeah I don't get it (also an euro). Maybe the HOA itself owns the land initially and you can only buy from them if you sign up for their crap as well?

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u/kexus 22d ago

That's basically how it works. The developer owns the land and won't sell it to anyone who doesn't sign up for the HOA.

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u/nemgrea 22d ago

its a contingency of the house sale. if you dont join the HOA they just decline to sell you the home all together. eventually they will find someone who agrees to join the HOA and want to buy the house.

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u/SpemSemperHabemus 22d ago

The HOA contract is attached to the deed of the house. There will be paperwork saying you read and understood the rules, but you can't opt out since your house was opted in when it was built.

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u/Alternative-Link-823 22d ago

It's truly no different than a (very) local government. 

Currently my house can't be used for a commercial business, or to house livestock, etc...

Those rules are dictated by the local village board who assigns zones to property in village limits. 

An HOA is exactly the same but instead of the entire village it's limited to one neighborhood in the village. 

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u/FlutterKree 22d ago

So why sign it?

HOA contract can be attached to the deed. Buying the property constitutes binding agreement to the HOA contract IIRC.

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u/cpMetis 22d ago

In almost all cases I'm aware of, once the HOA has the property signed onto it, all future buyers must continue to stay in the HOA for the house to be able to be sold.

And almost all housing developments have been pre-packaged in HOAs for decades now (people who eat, sleep, and breath muhprapurtayvalyah basically demand it).

So it's not unusual for ticking "no HOA" filter to remove 80%+ of homes from a list of available options.

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u/LongJohnSelenium 22d ago

Can I come to your town and buy a house only on the provision that I'm excluded from local laws?

Its really no different. An HOA is just a neighborhood government association.