Let’s be real—HOTMA has felt like a bit of a moving target. Between the delays, updates, and constant adjustments, a lot of teams have been left trying to figure out what actually sticks. Now that it’s in effect, it’s time to make sure your processes, calculations, and files are fully aligned. 📌 Introduction HOTMA didn’t just update a few rules—it changed how we calculate income, verify assets, and process certifications. By now, these updates should be part of your day-to-d