AI HOA Assistant for Maryland HOA & Condo Managers
IgeraFincas is pre-loaded with the Maryland Homeowners Association Act (§11B) and the Maryland Condominium Act (§11-101) — delivering citation-grade compliance answers for every community you manage across the Free State. Free 14-day trial.
Maryland's HOA & condo market at a glance
6.2M
residents in the state of Maryland
~6,800
HOA and condo associations statewide
850K
Maryland homes in HOA communities
$190–$480
typical monthly HOA fee in Maryland
Maryland's HOA market is anchored in the dense Mid-Atlantic suburbs of the Washington DC metro and the Baltimore metro area, with significant condo density in Bethesda, Silver Spring, Rockville, and Annapolis. Management companies face dual compliance obligations under two separate statutes — one for planned communities and one for condominiums — making accurate legal knowledge non-negotiable for every homeowner interaction.
Maryland HOA law explained in plain English
Two statutes, one platform — IgeraFincas applies the correct Maryland law automatically
Maryland Homeowners Association Act
Title 11B of the Maryland Code governs planned community associations — the most common HOA structure in Maryland's suburban developments. Key provisions include §11B-111 (homeowner right to inspect records), §11B-112 (annual budget requirements), and §11B-117 (lien and collection rights). The Act requires associations to provide governing documents to new members and imposes disclosure obligations on sellers through the Maryland Homeowner Association Disclosure Statement. IgeraFincas answers every §11B compliance question with citation-grade precision.
Maryland Condominium Act
Title 11 of the Maryland Code (§11-101 through §11-143) governs condominium associations statewide. Critical sections include §11-109 (annual meetings and voting rights), §11-109.2 (reserve fund requirements), §11-110 (record inspection rights), and §11-130 (buyer disclosure via Public Offering Statement). The Act also governs the council of unit owners' authority to levy assessments and enforce rules. IgeraFincas distinguishes between Title 11 condo queries and Title 11B HOA queries automatically, applying the correct statute to every answer.
Maryland Resale Disclosure Obligations
Maryland requires sellers in HOA communities to provide buyers with a Homeowner Association Disclosure Statement under §11B-106. For condominiums, §11-135 mandates a resale package including the Public Offering Statement, current budget, reserve fund status, and pending special assessments. Associations must fulfill these requests within a specific timeframe. Non-compliance can delay or void real estate transactions. IgeraFincas helps management companies respond to resale disclosure requests accurately and on time.
Fines, Hearings & Lien Rights
Under the Maryland Homeowners Association Act §11B-111.2, homeowners must receive written notice of violations and an opportunity to cure before fines are assessed. Lien rights under §11B-117 allow associations to collect unpaid assessments through Maryland's circuit court foreclosure process. For condominiums, §11-110.1 governs the council's enforcement powers. IgeraFincas explains fine procedures, hearing rights, and collection processes to both homeowners and managers with statute-level accuracy.
The real pain points for Maryland HOA managers
Dual-statute confusion between §11B and §11-101
Maryland managers routinely handle both HOA communities (governed by Title 11B) and condo associations (governed by Title 11) in the same portfolio. Applying the wrong statute to a homeowner question — especially on fines, reserves, or meeting rules — creates liability exposure. IgeraFincas identifies community type automatically and applies the correct Maryland statute every time.
DC metro resale volume creating disclosure bottlenecks
The Washington DC and Baltimore metro areas have some of the highest real estate transaction volumes in the Mid-Atlantic. Maryland's mandatory resale disclosure requirements under §11B-106 and §11-135 generate constant requests to management companies. Delays cost homeowners closing dates. IgeraFincas enables staff to respond to disclosure queries in seconds, not business days.
After-hours homeowner demand in high-density communities
Maryland's condo-dense suburbs — Bethesda, Silver Spring, Rockville, Columbia, and Annapolis — house professional residents with high expectations for rapid, accurate responses. Calls and emails outside office hours about parking violations, pet policies, or assessment deadlines overwhelm small management teams. IgeraFincas handles routine homeowner questions 24/7, citing the exact §11B or §11-101 section and your governing documents.
How IgeraFincas works for Maryland managers
Upload your governing documents
CC&Rs, bylaws, rules and regulations, reserve studies, and meeting minutes. IgeraFincas processes your Maryland community's documents securely in under 48 hours and links them to the relevant §11B or §11-101 provisions automatically.
Maryland law applied instantly
Every homeowner question is answered against both your governing documents and the correct Maryland statute. HOA questions reference the Maryland Homeowners Association Act §11B; condo questions reference the Maryland Condominium Act §11-101. Zero manual configuration required.
Homeowners get instant, cited answers
Via web widget or WhatsApp, 24/7. Responses cite the exact CC&R article and the applicable Maryland statute section — not generic advice. Your team reviews flagged complex items in the morning dashboard, fully briefed.
Customer testimonial
“We manage 34 communities in the DC suburbs — a mix of planned HOAs under §11B and condo associations under the Condominium Act. Before IgeraFincas, every homeowner question required someone on our team to pull up the statute and the bylaws. Now the AI handles 75% of incoming queries overnight, with the statute section cited right in the answer. Our staff spend their time on actual management work, not answering ‘can I put up a basketball hoop’ for the twentieth time.”
David Kowalski
Principal, Chesapeake Property Management — Rockville, MD
Simple pricing for Maryland management companies
All plans include Maryland HOA Act §11B and Maryland Condominium Act §11-101 pre-loaded. Free 14-day trial on every tier.
Starter
$99
per month
- ✓Up to 15 Maryland communities
- ✓Maryland HOA Act §11B + Condo Act §11-101 pre-loaded
- ✓Web widget for homeowner Q&A
- ✓Document upload (PDF, DOCX)
- ✓Email support
Professional
$199
per month
- ✓Up to 50 Maryland communities
- ✓Maryland HOA Act §11B + Condo Act §11-101 pre-loaded
- ✓Web widget + WhatsApp channel
- ✓Analytics dashboard & query gap reports
- ✓Resale disclosure query support
- ✓Priority support
Enterprise
$399
per month
- ✓Unlimited communities
- ✓Maryland HOA Act §11B + Condo Act §11-101 pre-loaded
- ✓Web widget + WhatsApp + custom integrations
- ✓Multi-state portfolio support
- ✓Dedicated onboarding & account manager
- ✓SLA guarantee & white-label option
Frequently asked questions — Maryland
What does the Maryland Homeowners Association Act §11B require for HOA budgets?
Under the Maryland Homeowners Association Act §11B-112, HOA boards must prepare an annual budget and make it available to all members at least 30 days before adoption. The budget must include projected common expenses and any reserve contributions. Homeowners have the right to inspect the budget and financial records under §11B-111. IgeraFincas answers budget-related questions with direct citation to the applicable §11B section and your association's own governing documents.
Does Maryland law give HOA homeowners the right to a hearing before a fine?
Yes. The Maryland Homeowners Association Act §11B-111.2 requires that homeowners receive written notice of an alleged violation and a reasonable opportunity to cure it before a fine is imposed. Associations must also provide a hearing procedure in their governing documents for homeowners to contest alleged violations. IgeraFincas explains these rights clearly to homeowners and helps management companies confirm their enforcement procedures are §11B-compliant.
How does the Maryland Condominium Act §11-101 regulate condo association meetings?
Under the Maryland Condominium Act §11-109, the council of unit owners must hold at least one annual meeting. Notice of the meeting must be provided at least 10 days and no more than 90 days in advance. Unit owners have the right to inspect meeting minutes under §11-110, and electronic voting is permitted where the governing documents allow. IgeraFincas answers meeting procedure questions by citing §11-109 directly alongside your condo association's bylaws.
Can a Maryland HOA foreclose on a homeowner for unpaid assessments?
Yes. Under the Maryland Homeowners Association Act §11B-117, an HOA may place a lien on a property for unpaid assessments and may pursue foreclosure if the lien is not satisfied. The association must follow Maryland foreclosure procedures, which include specific notice requirements. A $750 cap applies on attorneys' fees in certain circumstances before formal collections begin. IgeraFincas explains the lien and collection process accurately, so homeowners understand their obligations and managers understand their rights.
What are the reserve fund requirements for Maryland condo associations under §11-101?
The Maryland Condominium Act requires condo associations to maintain an adequate reserve fund for the repair and replacement of common elements. Under §11-109.2, the board must conduct or obtain a reserve study and disclose the reserve fund status to buyers in the public offering statement. Associations that waive reserves must disclose this to all unit owners and prospective buyers. IgeraFincas helps management companies answer reserve fund questions from homeowners, buyers, and lenders with direct citation to §11-109.2 and the association's current reserve study.
Start your free 14-day trial
Maryland HOA Act §11B and Maryland Condominium Act §11-101 pre-loaded. Operational in 48 hours. No credit card required.
- Free 14-day trial — no credit card required
- Maryland Homeowners Association Act §11B pre-loaded
- Maryland Condominium Act §11-101 pre-loaded
- Web widget and WhatsApp — homeowners answered 24/7