The HOA Morning Desk

This week's mortgage rates, one state's HOA law, today's HOA news and a plain-English guide — updated every day.

Mortgage Rates This Week

30-year fixed
7.40%
▲ +0.12 vs last week
15-year fixed
6.73%
▲ +0.13 vs last week

Freddie Mac average for the week of Oct 8, 2026 · a year ago: 6.34% / 5.55%. Buying in an HOA? Budget dues alongside the payment — how HOA fees work.

State HOA Law of the Day

West Virginia

A plain-English guide to West Virginia homeowners association law under the Uniform Common Interest Ownership Act (W. Va. Code Chapter 36B): fines, liens, meetings, elections, and disclosure.

Read West Virginia's HOA law

A new state every day. All 50 states →

Latest HOA News

The latest from HOA Daily — law, insurance, lending, and governance.

See all HOA news →

Guide of the Day

When HOA Rules Conflict With City Law: Who Wins?

What happens when an HOA rule contradicts local zoning or city ordinances, and which one actually takes precedence.

Read the guide →

The HOA Homeowner Report

Issue No. 2 is out

One guide, one tip, one state-law fact — free, in your inbox.

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