Allegedly Media

Many people often debate whether to own a home with an HOA or to buy a home without an HOA. This has been a debate that has been trending all across the country in the state of Georgia. This has recently become a trending topic because many HOA residents are not happy about the monthly or yearly fees they have to pay. Mahogonay Scott says that she is satisfied with her choice of purchasing a home in the quaint town of Newton County, Georgia. She explained that what she pays in fees for her community offers the convenience of a Community home for special events, a tennis court, and, of course, a pool for the kids in the summer. Mahogonay also expressed that she appreciates the noise ordinance that was put in place, along with strict rules to keep the yards maintained to prevent eyesores.

According to Atlanta News First, { As of early 2026, Georgia lawmakers are considering sweeping legislation to reform Homeowners Associations (HOAs) following investigations into predatory foreclosure practices. Key bills (HB 1036, HB 1035, SB 393, SB 107) aim to ban foreclosures for non-tax debts, allow homeowners to dissolve HOAs, enforce financial transparency, require registration with the Secretary of State, and ensure election integrity. } https://share.google/6vp7iEO9lZUY2J97b Many residents throughout the Georgia area have been putting in complaints with the state because they feel like the HOA has a form of predatory practices, and that they see no value in having HOA in communities and want to do away with it all.

Curtis Magniumin of Finders Home Realty agrees. During our interview, he explained that owning a home without it being governed by an HOA offers more flexibility and freedom when it comes to making decisions about your property.

According to Magniumin, homeowners without HOA restrictions have the ability to personalize their homes without needing approval from a board. Whether it’s adding a fence, parking certain vehicles, choosing exterior paint colors, or making landscape changes, the process is often simpler and more direct.

He also noted that without monthly HOA dues or special assessments, homeowners may experience fewer recurring fees. However, he emphasized that the responsibility for maintaining property standards falls entirely on the individual homeowner.

Ultimately, he believes the decision comes down to lifestyle preference — whether someone values structured community oversight or prioritizes independence and personal control over their home.

Two neighborhoods, two approaches to community living. In the end, whether governed by rules or guided by individual choice, a community is shaped not just by policies, but by people who live there.
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