So...you finally made the step and moved out of that apartment or rent house, and bought yourself a dwelling place. It seems that when you first go to a mortgage company they will tell you...oh sure no problem, we can finace your new dwelling place. A week goes by they call and they need more information. Another week and they call again. We need more information. This can go on and on until you are ready to tell them to shove it. Well if you don't do that then the closing date is finally set. You meet with them and they have a stack of papers and they put one at a time in front of you to sign and so you sign and sign and sign. You were so fustrated in that it was on again then off again that you sign these papers no questions asked and you don't take the time to read anything. WRONG...this is probably the biggest expense item you will attempt to purchase in your lifetime...and you did not take the time to read it? Are you nuts or something?

Now then, unless you bought a dwelling place out in the sticks with a few acres, you may have a problem. You may have a group called the "Homeowners Association" watching your every move and you did not even know it because you did not take the time to read what you've signed, the mortgage company did not tell you about this and probably most of all did not give you a copy of what is called the homeowners association's... DEED RESTRICTIONS. The paper that you did not read was called the deed of covenants. This is a promise that you will do what ever the paper work states.

Well what these deed restrictions are is a list of laws drawn up by a lawyer who is certified in real estate law and hired by the developer of the subdivision. In these deed restrictions are what you can and can't do in respect to your property. Some of them are very strict. The purpose of these restrictions is so it is said, for the preservation of the dwelling places within the subdivision. In other words to keep the property values up. Well you say thats okay with me because in case I decide to sell my dwelling place I do want to make profit. In most cases folks I don't think so. Real estate used to be big business but lets get real...in today market that is more myth then not.

As you read further into these deed restrictions you will find out that you will not be able to make changes or add to your dwelling place unless you submit a form to the Association in respect to what it is you want to do. They will decide if they will ALLOW you to make that change. They will decide what colors you can use in respect to painting outside your dwelling place and what colors you can use should you decide to re-roof your dwelling place..You may say...well thats still okay, we would not want someone painting their place purple or some other weird color like that because god forbid that would make the subdivision look shabby.

Now then what the association's are composed of, is usually a President, Secretary, Treasurer and maybe a Member at Large. Some associations have a management company that handle the affairs but usually the subdivisions are quite large when a management company is involved. Like some governmental groups, and I am not saying "ALL," some of these people thrive on the power that their positions offer when then find out that they can do what they please and get away with it. Most all associations have a lawyer firm certified in real estate law on retainer, and here is where the problems begin to unfold.

During the last fifteen years, Community Homeowners Associations have become your fastest growing and most ignored local government. Usually they are controlled by a few arrogant Board officers derived from the criminal mentality in most of these subdivisions. It follows that they act in rotating combination as either the powertrippers or attendees, hence taking turns with their "do as they please attitude."

Yes, Washington may be right around the corner from you! Apathy feeds and creates this criminal fraction. Under the guise as a volunteer "do-gooder," the potential powertripper learns fast while working with the few racketeering attorneys in servicing these local governments. There are some attorneys that strong-arm several hundreds of these local governments by conspiring with two or three long-time sitting powertrippers in each association not to mention the management companies if an association has one.

This specialized group of attorneys have created a cottage industry, realizing that gangsters in community associations have no gaurdians. Restrictive covenants have been violated by dozens of associations by illegally increasing their assessments. Unlimited association defense funds plus insurance defense are available to hire the best attorneys at $200 plus an hour. Gangsters feel untouchable, invincible, especially when conniving with the specialized Brotherhood, knowing well the protection afforded to them under the Property Code. Their attorneys have won them phenomenal case law power by using these association funds. All these pursuits are supposedly for the preservation of the community and the property values, but in reality are illegal and are officer liabilities subject to lawsuits against them.

Many powertrippers use deed restrictions from other gangster associations they themselves would like to have as their own. They also make up deed restrictions creating them from broad interpretations of case law making refinement mandatory. Appearance is everything. Soon butt-naked kids in the front yard will be illegal. "Warm Tones" (colors), is the one that gets me. Don't want to see that purple color on houses like they use in the inner city so-called ghettos. When I hear this, I wonder whatever happened to our Constitution. Makes me feel like growing eight foot corn in my front yard.

Associations have been awarded stupid constructive notice by statute made so by attorney politicians. The reasonable person is yet to be found that went downtown to see their deed restrictions in the clerk's file. From this still exists plenty of coercion at the time of closing for many unsuspecting dwelling place buyers. No wonder the wild surge is on to find your own five acres way out somewhere, and take your chances living in a trailer hoping to neither blow or float away from a disaster.

Most dwelling place owners do not desire to be in an association, do not even know they are part of one and if they find out, choose not to have anything to do with it. Neither do they care about the questionable benefits derived from these unpopular but rising mobster organizations. Just pay the annual assessment, whatever it is, and leave us alone.

Attendees at local meetings are few or none, and often the Boards are short of over-the-hill Gangsters to run and serve as abusive powertrippers. Sometimes the attendees, if any, are asked during a meeting to serve as a Gangster on the Board. Many times the required four Gangsters do not show, and so there is no meeting.

Thanks to my friend Steve for the previous seven paragraphs. Check out:Gangster Homeowner Associations

Check out the update section on the above subject matter by going back to my home page and clicking on Updates.

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National Registry of Homeowner Associations

Homeowners Associations: A Nightmare or a Dream Come True

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