Early access · Free scan + 50% off at launch

Launch offer · First report 50% off

Know the HOA fine print before you sign

Special assessments, rental bans, pet limits and lawsuits hide in the hundreds of pages you get days before closing. We read every one in minutes and show you exactly where each problem is.

Reads the whole resale package

  • CC&Rs
  • Bylaws
  • Rules
  • Budgets
  • Reserve studies
  • Board minutes
  • Resale certificates
  • Free scan firstSee your red flags before you pay a cent.
  • Every claim citedEach finding quotes the page it came from.
  • Minutes, not a weekendUp to 600 pages read while you wait.
  • Private by defaultUsed only for your report, deleted in 30 days.

Found in our sample report

  • Red flagProposed $9,800 roof assessment
  • Red flagHOA is being sued over water damage
  • Red flagOnly 15% of units may be rented
  • Red flagReserves 25% funded
  • CautionDogs over 35 lb not allowed
  • CautionHard floors need board approval
  • Caution12-month minimum lease
  • InfoDues $575 a month for 2 bedrooms

Drag to compare

Forty-eight pages in.
Four things that matter, out.

Every page, every document

Hundreds of pages.
Read in minutes.

CC&Rs, bylaws, budgets, reserve studies and years of board minutes. Nobody reads all of it before closing. We do, and we bring back what matters with the page it's on.

Verified, not guessed

Every finding quotes the page it came from. Then we check that the quote is really there.

“the Board voted to propose a special assessment of $9,800 per Unit, to be presented to owners at the October meeting.”
Board minutes, August 2026 · page 1 Quote verified
  • Page-citedEvery point names its document and page.
  • Quote-checkedQuotes that don't match the page are thrown out.
  • Ask anythingTell us what you're looking for; we find the answer and the page.

How it works

Four steps.
A few minutes.

  1. 1

    Upload the package.

    Drop in the PDFs from your seller, agent or HOA: CC&Rs, bylaws, budget, reserve study and minutes. Scans are fine.

  2. 2

    We read every page.

    Fees, assessments, rental and pet rules, lawsuits and reserves are pulled out and highlighted, all the way down to the board minutes.

  3. 3

    Every quote is checked.

    Each finding is matched against the text of the page it cites. If the quote isn't there, the finding doesn't make your report.

  4. 4

    You get the short version.

    Red flags first, your plans checked, reserves scored and questions to ask the HOA, on one page you can share with your agent.

Try it yourself

Run a sample package.
Check it against the pages.

Seven documents for Cedar Hollow, a made-up condo. Load them, pick what you want to know, then open any finding on the page it came from.

Your HOA documents go here

Try it with ours: 7 PDFs, 20 pages.

Cedar Hollow is made up; everything in its documents is invented. Your report reads your own documents.

Features

Everything in the fine print.
Nothing left to dig for.

Red flags first

4

Special assessments, lawsuits, rental caps and weak reserves, at the top where you'll see them.

Reserve health

Calculated, not estimated.

Percent funded, what's coming due and what's been saved, worked out from the budget and reserve study. Example: 25% funded against a $1.24M target.

Ask anything

Answers with page numbers.

Can I rent it for six months?

No. Leases must run at least 12 months.1 CC&Rs, p. 2

What we look for

The things buyers learn about too late.

  • Dues and fees
  • Special assessments
  • Rental caps
  • Short-term bans
  • Pet limits
  • Lawsuits
  • Reserve funding
  • Renovation approvals
  • Parking and vehicles
  • Insurance gaps
  • Home businesses
  • Right of first refusal

Loan check

Will the lender approve the condo?

We compare the documents with Fannie Mae's condo rules, like lawsuits, reserves and owners behind on dues, and flag what could stop a loan.

Questions to ask

Walk in prepared.

Every report ends with specific questions for the HOA or seller, like who pays a proposed assessment.

Private by design

Your documents are deleted after 30 days.

They're used only to build your report and answer your questions. Unpaid uploads are gone in 24 hours.

For the whole deal

One package in.
A report everyone can use.

12kinds of red flags checked
600pages per package
30 daysthen your documents are deleted
$0to scan your documents for red flags

Who it's for

For the buyer signing.
And the agent helping.

Buyers

Know what you're agreeing to before your review period ends.

  • Special assessments, lawsuits and weak reserves, flagged first
  • Your plans checked: renting, pets, renovations, parking
  • What could stop your lender approving the condo
  • The questions to ask the HOA or seller, ready to send
Get early access Scan my documents free

Scan your documents free.

See your red flags first. Unlock the full report for half off your first one.

    Documents in your email? Forward it to docs@hoafineprint.com and we'll send you the link.

    See a real report.
    Before you spend a dollar.

    Five pages of documents for Willow Creek, a sample condo association. The report found a proposed $9,800 special assessment, 25% funded reserves and a pending lawsuit.

    Open the sample report
    Red flagLitigation

    The HOA is a defendant in a water-intrusion lawsuit

    The insurer has reserved its rights, so owners could bear the cost of a loss.

    “the Association remains a defendant in the lawsuit filed by the owners of Unit 214 regarding water intrusion.”
    Board minutes, page 1 Quote verified

    Why it's worth it

    One line in the minutes.
    Nearly ten thousand dollars.

    9,800 Proposed special assessment per unit, on page 1 of the Willow Creek board minutes
    29 Your first full report at launch, every finding cited to its page

    Willow Creek is our sample association. Your documents will say something different; that's why it's worth reading them.

    Pricing · Launch offer

    Try it free. Then half off your first report.

    Pay once per property. No subscription, and a full refund if we can't finish your report.

    Free scan

    See your red flags before you pay anything.

    $0per property
    no card needed
    Get early access Start a free scan

    What you get

    • Upload your package, up to 150 pages
    • How many red flags and cautions we found
    • Your biggest red flag in full, with its page
    • Reserve-fund rating
    • Which key documents are missing
    50% off first report

    Standard

    The full report for a typical condo or HOA package.

    $29 $59first report
    then $59 per property
    Get early access Start with a free scan

    Everything in Free scan, plus:

    • Every finding, quoted and checked against its page
    • Answers to your own questions and plans
    • Reserve-fund health in detail
    • Loan check: what could stop a lender approving the condo
    • Questions to ask, and who to contact at the HOA
    • An email asking the HOA for any missing documents
    • Packages up to 150 pages

    Complete

    For big packages, and for follow-up questions.

    $64 $129first report
    then $129 per property
    Get early access Start with a free scan

    Everything in Standard, plus:

    • Packages up to 600 pages
    • Ask questions about your documents, get cited answers
    • Best for large condo buildings with years of minutes

    Real estate agent? Buy report credits from $29 a report.

    HOA Fine Print summarizes what your documents say. It isn't legal advice.

    Questions, answered.

    When can I use it?

    We're opening to the waitlist first, in the order people joined. You'll get an email when your spot opens. Sharing your link helps us know where to launch first.

    Can I try it before I pay?

    Yes. Upload your documents for a free scan and we'll show you how many red flags and cautions we found, your biggest red flag in full with its page, and your reserve rating. Unlock the full report only if you want the rest. One free scan per email, for packages up to 150 pages.

    How does the launch offer work?

    Your first full report is half off: $29 for Standard or $64 for Complete, instead of $59 and $129. Later properties are regular price. You can use the offer after a free scan or on its own.

    Can I email you my documents?

    Yes. Forward the email with the PDFs attached to docs@hoafineprint.com. We'll reply with a link to your report, where you can start a free scan or choose the full report. Nothing is charged until you do.

    What documents does it read?

    Everything in a resale or disclosure package: the declaration or CC&Rs, bylaws, rules, the current budget, the reserve study and recent board minutes. Minutes are often where special assessments and lawsuits first appear.

    How accurate is it?

    Every finding includes a quote and a page number, and we check each quote against the text of that page before it goes in your report. Quotes that don't match are dropped. Scanned pages can't be checked automatically, so those findings are labeled for you to confirm.

    Couldn't I just upload the documents to ChatGPT?

    You could, and it's handy for a quick question. HOA Fine Print is built for this one job. It reads every page of a package up to 600 pages, gives the page behind every finding and checks that the quote is really there, applies the condo rules Fannie Mae and FHA lenders use, lists the key documents missing from your package, and writes the email to the HOA with your questions. A general chatbot does none of that unless you know to ask, and you can't easily tell what it skipped.

    Is this legal advice?

    No. HOA Fine Print summarizes what your documents say. When a finding involves litigation, a large assessment, weak reserves or a rule that affects your plans, the report recommends an attorney review.

    What happens to my documents?

    They're used only to build your report and answer your questions. Unpaid uploads are deleted after 24 hours, and everything else 30 days after upload.

    I'm a real estate agent. Can I use it for clients?

    Yes. Sign in to the agent dashboard with your email and buy report credits: 5 for $199, 15 for $499, or 5 a month for $149. Each credit is a Complete report you can run for any client, and every report you run shows up in your dashboard.

    Closing soon? Don't sign blind.

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