On today’s episode, host Mel O CFP dives deep into the world of Homeowners Associations—better known as HOAs—and unpacks why so many people have a love-hate (or just plain hate) relationship with them. From personal stories of financial hardship to the long, often ugly history of HOAs rooted in discrimination and systemic inequality, this episode pulls no punches.
Mel walks us through how HOAs originated in the post-WWII suburban boom, the Federal Housing Administration’s backing of these associations, and how their policies affected everything from generational wealth to cultural expression and racial inclusion. She shares her own experience of losing a property to an HOA foreclosure, explores outrageous fees and hidden charges, and explains why so many senior citizens, families, and first-time buyers are getting priced out of their homes.
With plenty of passion (and a couple of cathartic rock tracks along the way), this episode exposes the unchecked power of HOAs, the lack of government oversight, and the growing influence of private equity firms in the sector. Mel rounds out the episode with tips on budgeting, a call to get informed and involved, and an unapologetic rant against the powers that be. Whether you’re a homeowner, renter, or just dreaming of buying property someday, this is an episode you don’t want to miss.
Catch Mel O Live on the Stationhead app @momentofmetal Wednesday at 6 AM Pacific Time.
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