For self-managed HOA boards · Georgia first
Georgia’s HOA paperwork, drafted from your records. The board still decides.
The SB 406 registration kit, the collections notices Georgia requires, quorum and proxy rules, the annual report for owners and late fees within the state cap, prepared from your records. Ask any rule question and get the CC&R section cited. Nothing is sent, filed or entered until the board approves.
Six-month free pilot · No auto-conversion · No data migration
- 16
- AI workflows live
- Cited
- Every document answer
- Self-serve
- Setup + roster import
Try one
Sample documents. Every answer cited back to the document. Audit-logged. If your documents don't cover it, it says so.
- Built for self-managed HOAs
- Your data, never sold
- Citations on every legal answer
Georgia first
The Georgia paperwork your board has to get right.
Georgia’s 2026 HOA law (SB 406) adds registration with the Secretary of State and a notice before an association can claim attorney’s fees. HomeownerHub prepares that paperwork and the rest of Georgia’s from your records, shows the statute it follows, and waits for the board.
SB 406 registration kit
Decide whether to register with the Secretary of State or opt out in writing. The kit fills in the filing sheet from your records, prints a checklist, and keeps each filing, renewal and amendment on record. It doesn’t file for you.
Ga. L. 2026, SB 406
Collections notices Georgia requires
The notice before attorney’s fees (30 days from receipt) and the notice before foreclosure, with the $2,000 threshold and 10% interest cap checked. A letter that claims attorney’s fees stays blocked until the fee notice has gone out.
SB 406 § 7 · O.C.G.A. § 44-3-232(c)
Quorum and proxies
The annual meeting kit shows Georgia’s default quorum (more than one-third, unless your bylaws say otherwise), counts check-ins and proxies live, and prints a proxy form that meets Georgia’s rules.
O.C.G.A. §§ 44-3-228, 44-3-224
Annual report for owners
From the annual meeting, print the year’s finances, budget, reserves, insurance, meetings and elections for owners. It never shows a home’s balance or an owner’s name.
O.C.G.A. § 44-3-230(a)
Late fees within the state cap
No late fee is charged until the board saves a policy. Georgia allows the greater of $10 or 10% of the late installment, and only if your declaration provides for a late charge. A policy over the cap can’t be saved.
O.C.G.A. § 44-3-232(b)(1)
Deadlines on one Compliance page
Secretary of State registration, the members’ meeting notice (21 days for an annual meeting, 7 for a special one), records, and the statement of amounts due within 5 business days, with an overdue banner.
O.C.G.A. §§ 44-3-230(a), 44-3-232(d)
Then Florida, California and Texas
- Florida
- Estoppel certificates · Collections letters · Budget notice and adoption checklist · Fine hearings · Director certification · Late-fee cap
- California
- Estoppel packet · Collections letters · Budget notice window · Fine hearings · Election print kit · Late-fee cap
- Texas
- Resale certificate · Collections letters
Georgia rules follow the Property Owners’ Association Act and SB 406. Georgia condominium associations aren’t covered yet. The app prepares the paperwork and cites the law; it isn’t legal advice, and your board and your attorney decide. Dues, violations, documents, accounting, the inbox and announcements work for an HOA in any state.
The work that nobody volunteered for
Volunteer boards spend their evenings on paperwork. That paperwork is what AI is for.
Rules, notices, minutes and money — the same paperwork every self-managed board does. We built one system that handles all of it.
- Volunteer board treasurers spending unpaid evenings on paperwork
- Violation notices stalled because nobody wants to draft a legal letter
- Meeting minutes that take an evening to write, and still miss the decisions
- Month-end board reports pieced together by hand from three spreadsheets
- The same resident questions answered by email, one at a time
- Covenant Brain answers any rule question — with the section cited.
- Violation Drafter writes the letter. The board approves it in one click from Approvals.
- Paste the meeting transcript and AI drafts board-ready minutes for the board to approve.
- On the 1st, the board gets a month-end report: cash, dues collected, overdue balances, budget and violations.
- The inbox drafts each reply with the home’s details alongside, and residents can ask the portal assistant first.
HomeownerHub
Everything a volunteer board does, in one place.
Covenants, violations, meetings, money and residents — with AI drafting the paperwork and a board member approving every word.
Meet the agents
Eight AI workers your board gets to delegate to.
Each agent does one job. Each ships with a Bar A/B/C label so you know what it can do unsupervised. Together they replace what volunteers shouldn't have to do.
- Bar C
Covenant Brain
Rule librarian
Answers any rule question, cited to the CC&R section.
- Bar B
Violation Drafter
Notice writer
Photo + caption in. Drafted letter out, rule cited. Board approves.
- Bar B
Minutes Drafter
Meeting scribe
Turns your meeting transcript into board-ready minutes to approve.
- Bar B
Bill Scanner
Bookkeeper
Reads a vendor bill into Approvals. Nothing is entered until the board approves.
- Bar B
ARC Reviewer
Committee aide
Checks an ARC request and its photos against your guidelines and drafts the letter. The board decides.
- Bar B
Inbox Drafter
Correspondent
Drafts replies in your shared HOA inbox. A person edits and sends.
- Bar C
Resident Assistant
Front desk
Answers residents about their balance, requests and the rules, citing your documents. It never acts for the board.
- Bar B
Message Drafter
Announcements
Drafts an announcement from a sentence, with an optional Spanish version. The board reviews it and presses Send.
From the founder
"Volunteer boards are running whole HOAs on Tuesday nights in their kitchens. The work AI was made for is sitting in their inboxes. We built HomeownerHub around that — not around a management company's billing schedule."
Built for the homes you actually run
Suburban Atlanta, not a SaaS demo deck.
HomeownerHub is built for the communities you can drive through on a Saturday morning. Volunteer boards. Brick-and-Hardie homes. Mature trees. Real residents.
Planned communities
50–800 doors
Self-managed HOAs
All-volunteer boards
Single-family neighborhoods
Dues, ARC requests, covenants
The residents you serve
Resident portal · Ask the Docs
16 live · 3 on the roadmap · labeled by quality bar
We tell you what's production, what's beta, what's demo, and what isn't built yet.
Every workflow ships with a quality bar, published here and on the public roadmap. No hidden hallucination risk. No "AI did it" deflection.
Document onboarding
HOA
Upload your CC&R, bylaws and rules. Each document is read and indexed section by section, so answers can cite it.
Covenant Brain
HOA
Ask any rule question in plain English. The answer cites the section, and says so when your documents don't cover it.
Daily Digest
HOA
A daily summary of what needs the board, with a compliance heat map on the dashboard.
Violation Drafter
HOA
Photo + caption → a drafted letter with the rule cited. It waits in Approvals: approve or reject in one click. Approving never emails the homeowner by itself.
Conversational Resident Portal
HOA
Residents see their balance and statement, file ARC and maintenance requests, and ask the governing documents before they email the board.
AI meeting minutes
HOA
Paste the meeting transcript. AI drafts board-ready minutes; the board edits and approves them.
Board Copilot
HOA
Ask about your community (who is overdue, open violations, an owner's contact, recent meetings) and get answers from your records and documents.
Inbox reply drafts
HOA
Your HOA's Gmail as one shared inbox. A reply starts drafting when you open an email, with the home's balance and open items alongside; contact details are removed before the AI reads it. Saved replies, and Create from email turns a message into a ticket, violation report or ARC link. A person edits and sends.
State-law answers
HOA
HOA-law questions answered with citations to the state statute, and it says so when the statute doesn't cover it. Georgia today; Florida, California and Texas are built and being loaded next.
Ask the guide
HOA
Ask the built-in user guide how to do something. Answers come from its own articles, with the steps and a button to the right screen, and it says so when the app can't do it.
Bill scan
HOA
Scan a vendor bill. The AI reads the vendor, invoice number, dates, total and expense account into Approvals; nothing is entered until the board approves.
Vendor RFPs and bid comparison
HOA
Vendor onboarding, AI-written requests for proposal, and the bids that come back compared side by side.
AI ARC review
HOA
Residents can check a request against your guidelines before they submit. The board sees a cited review, findings from the photos and editable decision letters. The board decides; nothing is sent until it does.
Spanish announcements
HOA
Add an AI-drafted Spanish version to an announcement. The board reads and can edit it, and must confirm it before sending; the email carries both languages.
Message drafter
HOA
Say in a sentence or two what you want to tell residents. The AI fills in the audience, subject, message and timing, and points out missing facts and any numbers you didn't type. Nothing is sent until the board presses Send.
Resident assistant
HOA
Residents ask about their own balance, their requests, announcements and the community rules on the portal's Ask tab. Rules answers cite the document section. It never acts for the board, and stays off until the board turns it on.
Reserve Live
HOA
Reserve fund projections. Not built yet: today the dashboard and the monthly report show a reserve snapshot (balance, contributions against budget, withdrawals).
Budget Anomaly Detection
HOA
Flags spend running over budget during the year. Not built yet: the month-end board report lists the budget lines furthest from plan.
Vendor Oracle
HOA
Past spend, ratings and a recommended vendor for the next job. Not built yet.
Built with volunteer boards
Built with a real volunteer board, not a demo deck.
Every workflow is shaped by what a self-managed board actually does after work: answer a rule question, send a violation letter, approve the minutes, close the month. The AI drafts; the board decides.
Every document answer
Covenant Brain names the section, or says your documents don’t cover it
Cited
Every AI draft
Letters, bills and minutes wait for the board; announcements send only when you press Send
Approvals
Roster import
CSV or Excel, CINC exports included
Self-serve
Measured results, when they’re measured
We’ll publish a board’s numbers once it has measured them and signed off. Until then we don’t print any.
Your board, week one
Send your CC&R today. Watch your own rules answer back on Tuesday.
Ten-minute board demo, six-month free pilot, no auto-conversion. You decide on your timeline.
How it works
From PDF pile to cited answers, without an implementation team.
No migration, no implementation team. The four steps are designed for a volunteer board on a Tuesday night.
Drop your documents
Upload your CC&R, bylaws and rules as PDF, text or Markdown. A scanned PDF needs a text layer (OCR) first.
AI reads everything
Each document is split into its sections and indexed, so every answer can point to the exact section it came from.
Ask your first question
Covenant Brain answers in plain English, citing the exact section — and says so when your documents don’t cover it.
Bring in the board and the roster
Invite the board, import your roster from a spreadsheet (CINC exports are recognised) and open the books in Accounting. The built-in guide walks each step.
Pricing built for volunteers
One price per door. Every feature included.
HOAs pay $4.99 per door per month, 41-door minimum ($204.59/mo). 10% off when you pay for the year. Every pilot gets six months free.
HOA Monthly
41-door minimum ($204.59/mo) · billed monthly · first 12 months committed
- Ask your governing documents — cited answers
- Violation letters drafted from photos, approved in one click
- Accounting, bank feeds and AI bill scan
- Month-end board report and resident portal
HOA Annual
Save 10% · billed yearly ($53.88/door) · first 12 months committed
- Everything in HOA Monthly — same product
- Paid once a year
Full pricing → see all plans
Stop volunteering for paperwork.
Start governing.
Ten minutes. We load your CC&R, run Covenant Brain on your real rules, and let your board decide.
Six-month free pilot · No data migration · Built in Atlanta