A homeowners association (HOA) is an organization that makes and enforces rules and guidelines for a residential subdivision, planned community, or condominium building. In most cases, residents within the subdivision, community, or building must become members of the HOA, agree to follow the HOA’s rules, and pay HOA fees and assessments. HOAs are usually governed by a board of directors or governors that is elected by the homeowners to make decisions about the HOA and enforce its rules.| State of California - Department of Justice - Office of the Attorney General
The California Homeowner Bill of Rights is a set of laws that provide protections to homeowners who are facing foreclosure. It became law on January 1, 2013, with many sections renewed and modified as of January 1, 2019. Key provisions include: Notification of foreclosure-prevention options: Your servicer must try to contact you at least 30 days before starting the foreclosure process to discuss your financial situation and explore your options to avoid foreclosure.| State of California - Department of Justice - Office of the Attorney General