Get your HOA ready for SB 406 before January 1.

The guides

• SB 406 · RegistrationGeorgia HOA registration in 2027: what SB 406 asks of your boardFrom January 1, 2027, an owners’ association must be registered with the Georgia Secretary of State, or must opt out in writing.Read the guide
• SB 406 · CollectionsGeorgia’s attorney’s-fee notice: the 30-day letter your HOA must send firstBefore a Georgia association can collect or be awarded attorney’s fees, it must send an initial written notice by certified mail or statutory overnight delivery.Read the guide
• SB 406 · ForeclosureGeorgia HOA foreclosure threshold in 2027: 60 days, a new minimum and a six-year lienUntil December 31, 2026: 30 days’ notice, a $2,000 minimum lien, and a four-year lien.Read the guide
• SB 406 · Owners’ rightsGeorgia homeowners’ rights in 2027: the twelve rights in SB 406From January 1, 2027, SB 406 gives owners twelve listed rights, from records to meetings to foreclosure process.Read the guide
• Collections · Late feesGeorgia HOA late fee limits: the greater of $10 or 10 percentA Georgia HOA may charge a late fee only to the extent its governing instrument provides for one.Read the guide
• Which law appliesGeorgia condo vs HOA law: which statute governs your association?Condominium associations are governed by Article 3 of Chapter 3 of Title 44. Neighborhood HOAs are usually governed by Article 6.Read the guide
• SB 406 · ComplaintsGeorgia’s owner complaint process: what happens when a homeowner files with the stateAn owner who says they were damaged by the association’s action or inaction can file a written complaint with the Secretary of State within 180 days.Read the guide

What HomeownerHub does for Georgia boards

Each item below is live in the app today. The board approves every draft.

• 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)