If there’s one thing any homeowner knows, it’s that there are pros and cons to participating in a homeowners association – and the choice is one unique to every individual.  More than half of newly built single-family homes and 80% of all homes in brand-new subdivisions are governed by HOAs. Overall, one-quarter of the U.S. population lives in regions governed by HOAs, but this number rises to 75 % in the south and out west.     Read the entire article……………………………….