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What the HOA?!

What the HOA?!

August 22, 2025 9:30 AM - 11:30 AM
https://mysccarportal.ramcoams.net/Meetings/Registration/MeetingDetails.aspx?mid=dcdfbba0-0868-f011-9cf7-00155d100641
SCCAR Office
Phone:831-464-2000
Website:http://www.mysccar.org
Address: 2525 Main Street, Soquel, CA

Facts Every Agent (and owner) Should Know!

Register – $15 for members, $25 for nonmembers

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

Register – $15 for members, $25 for nonmembers
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