What the HOA?!

Friday, August 22, 2025 (9:30 AM to 11:30 AM)
SCCAR Office

Facts Every Agent (and owner) Should Know

HOA Documents and Disclosures

• Is it an HOA? What kind of HOA?

• HOA Documents Explained

• Required resale disclosures

• Budget & financial statements

• HOA reserve studies and funding status

Buying and Selling in an HOA

• Timeline for getting HOA docs during escrow

• Who pays for HOA document delivery?

• How to explain assessments, dues, and reserves to buyers

• Special assessments and how they are approved

Insurance

• How master insurance policies work and what buyers need

• Current hard market – unaffordable premiums, under insurance and lender requirements

• Fire insurance and best practices

HOA Problems & Red Flags

• Red flags for buyers: Underfunded reserves, Ongoing litigation, poorly managed boards

• What agents should do if docs reveal something problematic – litigation or special assessment

• Restrictions Beware – Rental caps, short term rentals, parking, pets, smoking

Speakers:

Adriana DaSilva, CCAM – General Manager from Next Step Community Mgmt.

Charlotte Allen, CIRMS- Director of Education and Industry Partnerships, Socher Insurance

Karen St. Onge, Esq - Senior Attorney Adam Stirling PLC

David Zepponi - CEO of ECHO (Educational Community of Homeowner Association

SCCAR Office
2525 Main St.
Soquel, CA 95073

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