Common Questions about HOAs and HOA Foreclosures

FAQs on HOA Foreclosures

Read our FAQs to learn how HOA dues work, what happens if you don’t pay them, whether an HOA can foreclose on your home, and more.

What Are HOA Assessments?

If you live in a planned development, you might have to pay HOA fees and special assessments.

What Are Covenants, Conditions & Restrictions (CC&Rs) in HOAs?

If you live in a community with a homeowners' association, you must comply with the rules set out in the Declaration of Covenants, Conditions, and Restrictions.

I'm behind in HOA dues but not my mortgage. Can the HOA foreclose?

If you get behind in HOA dues, you might lose your home to foreclosure—even if you're current on your mortgage.

What's the Difference Between Homeowners' Association (HOA) Bylaws and CC&Rs?

Learn how an HOA's Declaration of Covenants, Conditions, and Restrictions and bylaws differ.

If I don't pay HOA assessments, can my HOA charge fees or penalties?

If you fall behind in HOA dues or assessments, your homeowners' association can likely charge late fees and penalties.

If I Stop Paying HOA Dues, What Collection Methods Can the Homeowners' Association Use?

The homeowners’ association might place a lien on your home, sue you, take away your privileges, or foreclose.

How Much Will an HOA Foreclosure Hurt My Credit Score?

Failing to pay your HOA dues and going through foreclosure will likely result in credit damage.

What Happens to My Mortgages if the HOA Forecloses its Lien?

The answer depends on the mortgages' priority.

I'm Behind in HOA Dues. Can I Negotiate With the HOA to Catch Up?

Learn about possible options to get current on HOA dues and avoid foreclosure.