HomeownerHub · for volunteer boards · Georgia first
Run your HOA without a management company.
Georgia’s SB 406 registration, collections notices, quorum and proxies, the annual report for owners and late fees within the cap. Then covenant questions, violation letters, announcements, inbox replies, minutes, bills and the month-end report. Drafted from your records, approved by the board, cited to the document.
- 16
- AI workflows live
- Cited
- Every document answer
- Self-serve
- Setup + roster import
Today's 3 priorities
ARC request: 415 Park Ln
Deck addition — waiting on the board
Violation notice drafted
Unapproved fence color at 211 Oak
Bill scanned: Green Lawn Co.
$1,240 · Landscaping — check and approve
This week
38
Questions answered
4
Notices sent
3
Bills scanned
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.
Live · Violation Drafter
Photo in. Letter drafted. Board approves in one click.
The Violation Drafter reads your CC&R, matches the rule, and drafts a letter that cites it. Bar B — board reviews before it goes out.
Step 1 · Capture
Unapproved fence height
211 Oak St
Cited section
CC&R Section 3.4 — Architectural Standards
Step 2 · AI-drafted notice
Bar B · Awaiting board reviewMarch 15, 2026
To the property owner at 211 Oak St
Notice of Covenant Violation
The volunteer treasurer
Built for the treasurer who runs the HOA after work.
Volunteer board members have day jobs. HomeownerHub drafts the paperwork; the board reviews, approves and governs.
Cited
Every document answer
1 click
Approve or reject a draft
EN + ES
Announcements
What the board gets today
- Rule questions answered with the CC&R section cited
- Violation letters drafted for the board to approve or reject
- Meeting minutes drafted from the transcript
- Announcements drafted from a sentence, with a phone preview
- A month-end report from the books
HOA workflows
The AI workflows a board uses today. Every one labeled.
Every output cites its source. Every draft waits for the board. The board sees exactly what the AI did and why.
Covenant Brain
Ask any rule question in plain English. The answer cites the CC&R section, and says so when your documents don’t cover it.
Violation Drafter
Photo + caption in. A drafted letter with the rule cited waits in Approvals: approve or reject in one click. Approving never emails the homeowner by itself.
AI meeting minutes
Paste the meeting transcript. AI drafts board-ready minutes; the board edits and approves. Each meeting’s packet reports the month as of month end.
Bill scan
Scan a vendor bill. The AI reads the vendor, invoice number, dates, total and account into Approvals. Fix anything before you approve; nothing is entered until then.
Board Copilot
Ask about your community — who’s overdue, open violations, an owner’s contact, recent meetings — and get answers from your records and documents.
Shared inbox
Your HOA’s Gmail as one shared inbox. A reply starts drafting when you open an email, next to the home’s balance and open items. Saved replies, and Create from email turns a message into a ticket, violation report or ARC link. Contact details are removed before the AI reads a message.
Message drafter
Type what you want to tell residents in plain words. The AI fills in the audience, subject, message and timing, and flags missing facts. Preview it on a phone, send it, then see who opened it. Nothing is sent until you press Send.
Vendors and bids
Vendor onboarding, AI-written requests for proposal, and the bids that come back compared side by side.
State-law answers
HOA-law questions answered with citations to the statute, and it says so when the statute doesn’t cover it. Georgia today. Florida, California and Texas are built and being loaded next.
AI ARC review
Residents can check a request against your guidelines before submitting. The board gets a cited review, findings from the photos and editable decision letters. The board decides.
Spanish announcements
Add an AI-drafted Spanish version to an announcement. The board reads it, can edit it, and confirms it before anything is sent.
Resident Portal
Residents see their balance and statement, file ARC and maintenance requests, and ask the governing documents before they email the board.
Resident assistant
Residents chat on the portal’s Ask tab about their balance, their requests, announcements and the rules, with the document section cited. It never acts for the board, and the board turns it on.
Also included
- Announcements to all homes, owners, renters, homes behind on dues, one home or a single street
- Phone preview of the email, text, portal and Spanish versions, and a test send to yourself
- Scheduled sends in your time zone, and built-in templates (dues reminder, meeting notice, water shutoff and more)
- Results by home: who received and opened a message, and a reminder email to those who haven’t, ready for you to review
- Inbox saved replies, and Create from email: a ticket, violation report or ARC link from a resident’s message
- A phone-friendly inbox, with Approve, Edit and Close at the bottom of the screen
- Estoppel certificates and home-sale paperwork from the home’s account: Georgia’s statement of amounts due, Florida and California estoppel and the Texas resale certificate, each with its deadline and fee limit
- Collections letters that follow Georgia, Florida, California or Texas law, approved in Approvals and printed
- A Compliance page listing what state law asks of your association, with an overdue banner, Georgia first
- Election planner: dates worked back from the meeting for your state, candidates, results, and a print kit with secret ballots
- Annual meeting kit: live quorum counter, check-in, proxy tracking, sign-in sheet and proxy forms
- Budget adoption checklist, with Florida and California notice deadlines, and fine hearings recorded before a fine
- Dues rates and a late-fee policy the board sets, held to the state cap; no late fee until you save one
- Insurance and fidelity bond tracker with renewal reminders, and an insurance summary for owners
- The owner budget notice, prepared from your approved budget
- Follow-up violation letters (second notice, hearing, fine, decision), through Approvals
- Import your roster from CSV or Excel, CINC exports included, with a row-by-row preview
- Set up the association and open the books yourself, from Accounting
- Monthly board packet, reported as of month end
- Board tasks from meetings and tickets, a board handover checklist, and a year-end package for your accountant
- Reserve snapshot on the dashboard and in the monthly report: balance, contributions against budget, withdrawals
- Month-end board report emailed to the board on the 1st
- ⌘K search across owners, units, violations, ARC, tickets, documents and meetings
- A built-in user guide with step-by-step articles, and Ask the guide
- Dues, reminders and a resident ledger in your association’s own time zone
- Download all your data any time, as one zip of spreadsheets
- Mobile inspection mode: walk the community, photograph issues, drafts land in Approvals
- Payment plans and recurring journal entries in Accounting
Roadmap · not available yet
- Reserve fund projections
- Electronic ballots and written consent
- Georgia condominium (Condo Act) rules
Stop volunteering for paperwork.
Start governing.
Ten minutes is all we need. We pre-load your CC&R, show you Covenant Brain answering your actual rules, and let the board decide.
Six-month free pilot for HOAs · No data migration · Built in Atlanta · Not legal advice