Financial Stability
Reserves, delinquencies, budget trends, cash flow & fiscal responsibility.
✣ The Financial Truth About HOAs
Know the Financial Health of Any HOA Before You Buy
HOA Credit Score™ analyzes financial strength, reserve funding, litigation risk, maintenance, insurance, and owner satisfaction — so you can buy with confidence.
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Trusted by Home Buyers, Realtors & Lenders Nationwide
Los Gatos Commons
1234 Los Gatos Blvd, Los Gatos, CA 95032
Condominium • 120 Units • Built 1986
⚖Reserve StrengthGood
⚠Assessment RiskElevated
⌁Litigation RiskModerate
▣Maintenance HealthGood
🛡Insurance RiskLow
▦TransparencyGood
★Owner Satisfaction4.1/5
HOA CREDIT SCORE
742/850Good
Last Updated: May 10, 2026
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Comprehensive HOA Analysis You Can Trust
7 powerful categories. One clear score. Everything you need to make the right decision.
Assessment Risk
AI predicts the likelihood of special assessments and future dues increases.
Litigation Exposure
Active & recent lawsuits, legal costs, disputes, and board conflict history.
Maintenance Health
Facility condition, deferred maintenance, roofs, elevators, and plumbing risk.
Insurance Risk
Coverage adequacy, claims history, premiums, deductibles, and stability.
Transparency
Board transparency, meeting disclosures, elections, and records access.
Owner Sentiment
Verified owner reviews and community satisfaction scores.
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Real owner experience organized by transparency, maintenance, rules, safety, and finances.
★★★★★ Verified Owner
“The score helped us understand why dues were climbing and what questions to ask before buying.”
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