Effortless HOA vs Mosaic HOA

Effortless HOA

Figure	Effortless HOA	Mosaic HOA
Price from	$3/mo	$199/mo
Free plan	—	—
Free trial	Yes	Yes
Open source	—	—
Web	Yes	Yes
API	Yes	—
Plans published	4	1
Spec score · HOA Violation Management Software	8.2 (#7)	7.6 (#17)
Headquarters	Camas, Washington, United States	The company describes Mosaic as built in Florida and says it is onboarding communities across Florida; the about page does not state a specific headquarters.
Integrations	Integrations include Stripe for payments, QuickBooks Online for accounting sync, bank imports in CSV/OFX/QFX formats, and Resend for automated email delivery.	The product page says Mosaic joins Zoom meetings; it does not name other third-party integrations on that page.
Purpose	Effortless HOA is HOA management software for self-managed communities and volunteer boards, combining accounting, dues tracking, documents, voting, and a homeowner portal.	Mosaic provides Florida HOA and condo compliance workflows through one portal for management companies, boards, and owners.
Security	The service states that it uses AES-256 encryption at rest, TLS 1.3 in transit, role-based access, logical community data isolation, and bcrypt password hashing.	The maker states that Mosaic uses 256-bit SSL encryption and US-hosted servers, isolates each HOA’s data, and does not use documents to train AI models or share or sell them.

Effortless HOA has no write-up on Specifiction yet; its figures are above.

Mosaic HOA has no write-up on Specifiction yet; its figures are above.