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How do we takeover the HOA? We are keen to do that. The builder has washed his hands off, or is attempting to do so. What is the procedure for residents to demand and assume responsibilities of the HOA?

I live in a new (about two-three years old) subdivision, with only a fifth of the houses built and completed. A few houses are unoccupied, still to be sold by the builder. The builder has engaged a firm to handle HOA, and the residents of the subdivision do not have any say. This state of...