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Your homeowners association

Understand your association. Meet your neighbours.

Hoam takes your association’s own budget, rules, minutes and reserve study and makes them a page instead of a PDF — every figure added back up, every sentence quoted and cited to the document it came from. And it is the room your neighbours post in: the lost dog, the block party, the borrowed ladder.

Check your city What opens when you claim
Who runs it
Neighbours. Not the board, not the management company.
How a home is verified
A card comes to your door with a code on it. You type the code, and your home is verified — that is the whole of the proof. Nobody asks the association who lives here, and one verified neighbour is enough to open an association nobody has claimed yet.
VR verano ridge homes · finances FY2027 · adopted
Your assessment
$165.00per month · up $9.00 from FY2026
The schedule
$221,76024 lines in five groups

$221,760 ÷ 112 homes ÷ 12 months = $165.00

GroupFY2027
General & Administration$71,400
Land Maintenance$58,860
Landscape contract service · GL 5410 $47,160 · $35.09 per home each month
Repairs & Maintenance$12,300
Utilities$16,200
Reserves$63,000
Total operating and reserves$221,760

The 24 lines read out of the budget report sum to $221,760 — the same total the schedule itself prints. Reconciled · figures that do not add up are not published

FY2027 Budget Report Adopted 10 June 2026. Effective 1 September 2026.
Transcribed 31 Aug 2027 — the fiscal year ends FY2027 Budget Report

Proposed by a neighbour · confirmed by a steward · nobody wrote a summary

Your neighbours

Everyone posting here has a verified home.

One stream for the whole association, or scoped to your street so only your street reads it. A photograph rides any of them, a pasted link comes back as a card, and a discussion keeps going as long as people are replying.

A sign-up lists the names of the people who put them down; an RSVP is a count. One answer per household, and the poster is the one who says a thing is found, returned or gone.

What people post

  • Lost or found
  • Free to a good home
  • Borrow or lend
  • Recommendation
  • Discussion
  • Sign-up
  • RSVP
  • Notice
Sign in to your association →
Discussion Association · 112 homes Open

The city is repaving Verano Valley Road in March

Public works have put a notice up at the top of the road. Has anyone found out whether the guest parking on the west side stays open while they work?

veranovalleyledger.example “County sets a March start for the Verano Valley Road resurfacing”
A verified resident · 15 May 3 replies

3 replies

  1. An owner on Alder Court · 15 May

    The notice says one lane at a time, so it should not close anything. It says nothing about the guest spaces.

  2. A verified resident · 16 May

    I asked at the counter this morning. The crew stages on the road itself and the spaces stay open the whole time.

  3. A verified resident · 16 May

    Worth putting the dates on the calendar when they publish them. I will add it if nobody beats me to it.

Lost or found Association · 112 homes Found

Grey tabby, no collar, sitting on the wall by the mail kiosk

She has been up there since Sunday morning and will not come down for anybody. If she is yours, write to this posting.

A grey tabby cat lying on a wall, photographed in black and white.
A verified resident · 14 May 2 replies

VR Verano Ridge Homes is invented, and so are its neighbours, their street and every posting above. The cards are drawn the way the product draws them; the photograph is a public-domain picture of a cat that lives nowhere near here, and the outlet does not exist.

What you get

Every page says what it is waiting on.

Half of it works the day you verify. The map is drawn from county parcel data and the postings are your verified neighbours — neither needs a document from anybody.

The records are the other half, and they are not the price of entry. A page that is dark says which record would light it, so nobody is left guessing whether the association is holding out or nobody has asked yet.

Nothing here is typed. A page is on when the records it needs are in the set, and off when they are not.

How a home is verified →
  1. PageState
  2. The mapNeeds: nothing — county parcel data on
  3. Postings and proposalsNeeds: nothing — verified neighbours on
  4. AskNeeds: any governing document on
  5. Your assessment, itemisedNeeds: one adopted budget on
  6. Money over timeNeeds: three or more audited years dark
  7. ReservesNeeds: a reserve study with its component table dark
  8. What the rules sayNeeds: the recorded master declaration dark
  9. What you may buildNeeds: the recorded master declaration and the complete Architectural Standards dark
  10. Four on, four waiting — and anybody verified here can send the missing four in.

What people arrive with

Four questions, and where the answer has to come from.

Hoam retrieves from your association’s own documents and quotes what it finds. Where a record isn’t on the shelf yet, it says which one is missing instead of guessing at the answer.

The question Answered from the record

How tall can my fence be?

Architectural standards

What did this year’s increase pay for?

Annual budget report

What did the board decide about the pool?

Meeting minutes

How much is set aside for the roofs?

Reserve study

373,000 community associations in the United States; 78 million Americans live in one, about one in four. Nearly every state gives members a right to inspect their association’s records, and almost none make them readable. Counts: Foundation for Community Association Research, Community Association Fact Book, 2025 Statistical Review.

What a verified home gets

Three doors, and the card in your letterbox opens all three.

They are the three the portal itself is built in — Understand, Participate, Records — and they are the three cards below, in that order. Half of it works the day you verify; the documents are the other half, not the price of entry.

The records, readable

Ask in your own words. Every answer quotes the clause and names the record it came from.

  • The budget itemised down to your own monthly payment
  • Search that works on 1980s scans
  • The records nobody has produced, named beside the ones that arrived

Every answer cited

Your neighbours

One stream for the association, or scoped to your street. Photographs, links that come back as cards, and discussions that keep going.

  • A sign-up lists names; an RSVP is a count
  • One answer per household, and the poster says when a thing is found, returned or gone
  • Elections and recalls go to an independent inspector, never to Hoam

Works the day you verify

Add to the record

Anyone verified here proposes; a steward confirms. That is the whole of the job.

  • Add a document, date a thing, correct a figure
  • No deleting, no ranking, no summaries

Three verbs, and no fourth

Verification

Nobody asks the association who lives here.

The county’s parcel roll is public: every lot in your association, and the address at each one. That is where a claim starts.

1

Pick your home

Search the county’s own list of lots. You cannot add to it.

2

A code is posted to it

Eight characters, to the address on the roll. About two weeks — and the wait is the evidence, because receiving mail at an address cannot be faked online.

3

One home, one voice

A second vote from the same home replaces the first, because the home is the record — not a rule anyone has to enforce.

Resident

A code to the property proves you receive mail there. Read everything, post to your street, be counted as a home.

Owner

Ownership is a deed, not a doormat. An owner’s code has to reach the owner’s address of record — for a landlord, not the property — and the county’s parcel map does not carry one. Its assessment roll does: that is where the tax bill is sent, it is a public record, and it answers every lot in a county at once. Where the roll answers for an association, owners verify as owners and vote in advisory polls; where it does not, everyone verifies as a resident, and is told so.

How it stays honest

Your question stays yours.

The policy says exactly what Hoam does.

Keyword search never leaves your device

Keyword search runs on your own device. Nothing logs what you typed.

Ask reads your documents, not you

The one exception: your question goes to your association’s own records on Hoam’s servers. Your thread is kept under your own account for seven days, so you can come back to it and so nobody else can open it or put words in it; the answer is kept thirty days for the next neighbour who asks the same thing, with no name on it. Nothing else records what you asked.

Owners can speak without signing

Verified as an owner, pseudonymous by default. Asking how your money is spent is not picking a fight.

Before you claim

The directory is public, and needs no account.

Every association in a city

Built from that city’s own parcel records and nothing else — parcels, boundaries and home counts, before anybody signs in.

  • Real parcel geometry, not a pin on a map
  • No homeowner data, ever — by design and by statute
  • If your city is not covered yet, tell us — requests decide which cities we build next

County parcel records

Your association’s documents are already yours.

The law says you are entitled to all of it. Hoam is the part that makes it readable — free for homeowners, free for the community, no board approval.

Check your city See what you get