Homeowners Association Super Liens

If you don’t pay the fees and special assessments imposed by your homeowners’ association, in most cases, a lien will usually automatically attach to your property.

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

If you live in a house that's part of a homeowner's association, you'll be subject to the rules in the Declaration of Covenants, Conditions, and Restrictions (CC&Rs).

What Are HOA Assessments?

If you live in a house, condo, or townhome that is part of a planned, covenanted community, you most likely have to pay monthly Homeowners' Association (HOA) fees and, at times, you will have to pay special assessments (often collectively referred to as “assessments.”) Understanding How HOAs Work

Homeowners' Associations (HOAs) and CC&Rs: Know What You're Getting Into

Before you buy a house in a development, understand what sort of restrictions you may have to live with.

HOA Liens & Foreclosures: An Overview

If you don't pay homeowners association dues or assessments, the HOA can foreclose. Learn more.

Defenses to an HOA Foreclosure

If your homeowners association initiates a foreclosure of your home, you may have a defense.

The Right of Redemption Following an HOA Foreclosure

If you don't pay homeowner's association (HOA) dues or assessments, the HOA can foreclose on your home, condo, or townhome.

Homeowners Association (HOA) Laws in Colorado

Laws in Colorado provide protection for homeowners association (HOA) residents in regard to debt collection, foreclosure, and landscaping.

Will an HOA foreclosure affect my credit?

If you lose your home through a homeowners association (HOA) foreclosure, your credit score will drop.

HOA Dues in Chapter 13 Bankruptcy

Here's how homeowners association fees are treated in Chapter 13 bankruptcy.

Can I Discharge HOA Dues in Chapter 7 Bankruptcy?

When you file for Chapter 7 bankruptcy and owe money to a homeowner's association (“HOA), you may be able to discharge (wipe out) those dues.

Can I get my home back if my HOA forecloses?

Question: I fell behind in my monthly HOA dues and the homeowners association (HOA) foreclosed on my home. Is there any way for me to get my home back?

Can the HOA foreclose on its lien if I have a first and second mortgage?

Even if you have other mortgages, your homeowners association (HOA) can foreclose on your home if you get behind in dues.

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

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

Can I do a short sale if I have an HOA lien on my home?

If you have a homeowners association (HOA) lien on your home, you can do a short sale. But it might not be easy.

If the HOA forecloses on its lien, will it pay back my mortgages?

If your homeowners association (HOA) forecloses on your home, you're still on the hook for paying your other mortgages.

What happens to my mortgages if the HOA forecloses on its lien?

If you own a home that is part of a homeowners association and fall behind in your HOA dues or assessments, the HOA can foreclose on its lien.

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

Yes. If you live in a community that is part of a homeowners association (HOA) and fall behind in your HOA dues or assessments, the HOA most likely will be able to charge you additional fees and/or penalties. Types of Fees and Penalties the HOA May Charge The type and amount of fees and penalties that

If I stop paying HOA dues, what collection methods can the homeowners association use?

If you own a home, condo, or townhome that is part of a homeowners association (HOA) and fall behind in your HOA dues or assessments, the HOA will likely first try to collect the debt using traditi

Can an HOA sue me for a deficiency after a short sale?

Question I was behind on my HOA dues and my mortgage. In order to avoid a foreclosure, I did a short sale.

If I don't have enough equity to cover my mortgage, will my HOA foreclose for nonpayment of dues?

Even if your home is underwater (where you don’t have enough equity in the property to pay off the mortgage), your HOA could foreclose on your home if you don’t pay your dues and assessments. Why would an HOA do this? There are several possible reasons. What Happens to the Mortgage if the HOA Forecloses

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

If you buy a home (such as a single-family house) in a planned, covenanted community, you will most likely be required to be part of a homeowners’ association (HOA).

Can I get a new mortgage after an HOA foreclosure?

If your homeowners' association (HOA) forecloses on your home, whether it is a single-family home, condo, or townhome, you will be able to get a new mortgage after the