Baby boomers want to downsize their homes. But they fear the big, bad HOA fee.

Baby boomers want to downsize their homes. But they fear the big, bad HOA fee.

Courtesy of Susan Hopkins

For 60 of his 64 years, Patrick Luzzi has lived in the red brick house in Yonkers, New York, where he was raised. His parents bought the two-family home, just north of the Bronx, in 1962 and Luzzi moved back in to take care of them before they both died.

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