HOA Finance Guide and  HOA
vs Non-HOA Cost of Living
Colorado HOA Forum:  Homeowner Advocates
HOA Financial Matters
Financial Management, Fines, Fees, Liens
Protection Against Fraud and
Embezzelment: internal controls
Can Your HOA Declare Bankruptcy?
Financial Control: Overivew/Basics
HOA Finances:
Best Practices for Getting Your
Homeowners Association through Difficult
Economic Times
Pay Your Dues or a $500 fine can
turn into $10,000
Pay the fines or else: limited options
HOA Sells Foreclosure:
Value $100,000 Sells for $4,000
HOA Collection Policy: state law
Only registered HOA's can file and enforce liens,
HOA liens and Super Liens Overview
HOA Foreclosures and Liens
HOA Cost Saving Ideas Guide
HOA Budgets: overview of presentation, passage

     Refer to Colorado Legislation    
HB 16-1149  Budget Presentation and Approval/Veto
HOA Registration: penalties for
Safeguarding and Investing HOA Funds
Super lien new story: home value $300,000+,
sold for $19,000.  
Metro Districts can deliver surprisingly and
costly tax increases
Metro Districts and Taxes
Colorado metro district debts can take
homeowners decades to pay off
How developers use bonds, mill
levies to ensure they are repaid
HOA super lien foreclosures: lose
equity, home and still owe mortgage
HOA Mold Damage Liability that Results
from Water Leaks
HOA Home Closing Costly, Unjustified and
Tolerated by Realtors (HOA closing are higher!)
HOA Transfer Fees: study on
economic impact to home owners
and providing alternatives to save
HOA Reserve Fund Report Sample
Excellent and comprehensive report, use
as a guide
The politics of metro districts
COVID-19 Articles-Comments - and
Opportunities Concerning
Finances, Home Owership and
HOA Issues
a.  Interest rates have fallen
significantly, think about refinancing,
shop around for best deal, weigh the
cost to refinance vs lowering your
monthly rate, tap your equity through
refinancing to provide emergency funds
b.  You most likely will see a rebate
from your auto insurance company
c.  Difficulty in paying your mortgage
payment: consider mortgage
forbearance and forgiveness:
Article 1     Article 2      Article 3
d.  Don't fall behind on your HOA dues,
talk with your HOA Board for a
payment plan, avoid liens, understand
your options to avoid foreclosure.  This
is a separate obligation than mortgage
Guide for Boards 1    Guide 2
f.   Seniors, don't have the
grandchildren visit, you may spread
the virus from you to the kids or kids to
g. CARES Act 2020 and Foreclosure  
Local Article on CARES
CNBC Article