. >> she created hoa savers and is working to educate homeowners and help them navigate the often trickyf homeowners associations. >> as a realtor, i was surprised to learn that we're not taught anything about hoas. so everything i've learned was through my own experience. >> as a realtor, jill says she wants her clients to know exactly what they're getting into when they buy in hoa communities so there are no surprises later on. what do people give up when they decide to buy a home that has an association? what type of things are they actually giving up when they do that? >> they're giving up their constitutional rights. they're living under a totally private government, really. the hoa can have the power to, more than the police do, to issue tickets for speeding. and then they can threaten to turn off your water. they can fine you and then foreclose on your house. >> pretty strong. >> yes. >> check the rules before it's too late because you must live by those rules. we talk a lot about homeowners associations within our organization, making sure that people know what is possibly coming