Understanding HOAs

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.

Homeowners' Association Super Liens

In some states, homeowners' association liens are given a special status. These liens are called "super liens."

Defenses to an HOA Foreclosure

If you don't pay the required fees or assessments to your HOA, in most cases, the association can foreclose your home. But don’t panic; you might have a defense.

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.

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 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. Can I Negotiate With the HOA to Catch Up?

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

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

The answer depends on the mortgages' priority.

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.

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.