Read the association. Then decide.

HOAs suck. Hoam makes them feel like home.

Not by writing new rules. By making the ones you already live under — and the money you already pay — something you can actually read.

Find your association See how it works

Free to join, free to run your community. No board approval required.

an 86-home association · 28 documents

Every. Association in California must give members its records. Almost none make them readable.

135 Associations mapped in the first city Hoam indexed

1980s When most governing documents were typed — and last rewritten

$0 What it costs a homeowner to read their own association

One product, three surfaces

Find an association. Read the one you live in. Start one that isn’t here yet.

The same documents feed all three. Public records build the directory; the directory is how you find your community; your community is where the documents become answers.

DirectoryLive

Every association we can build from the public record — parcels, boundaries, home counts, and what documents exist. Searchable before you make an offer.

Real parcel geometry, not a pin on a map
A public record card showing what is and isn’t known
No homeowner data, ever — by design and by statute

Mines the public record

Member portalLive

Your association’s documents, budget and rules — searchable in plain English, every answer quoted and cited back to the page it came from.

Search that works on 1980s scans
The budget itemised down to your own monthly payment
Flags where a recorded rule is no longer enforceable
Verified as an owner, pseudonymous by default

Free for homeowners

Start an associationNext

If yours isn’t in the directory, create it. Upload what you have, invite your neighbours, and the community owns the profile from day one.

Guided intake for the documents that matter most
Boards can claim a community and publish to it
Management-company sync, once the basics are solid

On the roadmap

One association, read properly

What turns up when somebody finally reads the budget.

This is a real association — 86 homes, professionally managed, nothing unusual about it. Every homeowner was mailed these numbers, as the law requires. Here they are, drawn.

Legal fees $25,000 · 20.0%

$24.22 per home per month — 13% of every dollar collected

Management fee $25,188 · 20.2%

The entire cost of being professionally managed

Insurance $4,950 · 4.0%

The thing an association exists to carry

This board budgets five dollars on lawyers for every one on insurance.

Two years earlier the audited figure was $16,151. The adopted budget is $25,000 — a 55% increase, on 86 homes, with no disclosed litigation.

Nobody hid it. It arrived as a 40-page PDF in a year when the assessment went up, and it went unread. Your association has its own version of this chart. The only question is whether anyone has drawn it.

Figures from the association’s adopted annual budget report and audited financial statements. Percentages are of operating spending before the reserve transfer.

Where Hoam fits

The documents matter most at the moment you have the least time to read them.

A homeowner meets their association three times: while buying, while living there, and when they decide to change it.

Before you buy

You get the documents days before you’re liable for them.

California gives a buyer the right to the association’s records before closing. In practice that means several hundred pages arriving mid-escrow, when the one thing you do not have is a week to read them.

Is the reserve funded? An underfunded reserve is a special assessment with a delay on it.
Where is the money going? Legal spend, management fees, and how fast the assessment has moved.
What can’t you do here? Parking, rentals, pets, and what you may put on your own roof.
Is the board fighting anybody? Litigation is the most expensive thing a small association can do.

After you buy

Ask in plain English. Get the clause, quoted.

Every answer names the document it came from and quotes it verbatim, so you can take it to a board meeting and have it hold. Nothing is paraphrased into something the document does not say.

Search that works on scans. Most governing documents are photographs of typewriter pages. Hoam reads them anyway.
Flags rules that are no longer enforceable. A 1988 covenant banning roof antennas lost to federal law in 1996. Your association may not know that.
The budget, itemised per home. Not a spreadsheet — what your own monthly payment buys, line by line.
Talk to your neighbours without putting your name on it. Verified as an owner, pseudonymous by default.

When you join the board

Run the meeting on facts everyone saw beforehand.

Most board dysfunction is not malice. It is five volunteers with a 200-page packet, an hour on a Tuesday, and no shared view of what is actually true.

Publish what members are already entitled to. Meet the records obligations by default instead of by request.
Put the agenda where people can read it. With the documents each item refers to attached.
Find the rules worth retiring. Some covenants can be removed without a member vote. Most boards never check which.
Show the arithmetic before the vote. Not after it, in the minutes.

Later

Management companiesOn the roadmap

The management company already holds the documents, the ledger and the violation history. Hoam is the member-facing layer they have never been able to justify building.

Document sync, so a portfolio stays current without anyone re-uploading a PDF
Architectural applications that arrive complete, because the homeowner was told what was missing
Fewer records requests, because the records are already published

How it stays honest

The association shouldn’t get to see what you looked up.

A tool for holding a board accountable is worthless if the board can watch you use it. That constraint shaped the architecture, not the privacy policy.

Searches never leave your device

The document index is downloaded and queried in your browser. There is no server to log what you asked, because there is no server.

Verified to the home, not to you

Participation is tied to an address and follows the deed. When the home sells, the profile resets — nobody keeps a voice in a community they left.

Owners can speak without signing

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

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 permission needed from anyone.

Find your association See a worked example