According to the Foundation for Community Association Research, 33.6% of U.S. homeowners are now part of homeowners associations (HOAs), a trend likely to grow. While HOAs offer advantages such as shared amenities and maintained aesthetics, they come with strict rules and potential consequences for violations, such as liens on property. HOAs derive their authority to file liens from governing documents that homeowners agree to upon purchase. Failure to pay dues or adhere to community standards can lead to these legal claims, which could hinder selling or refinancing the property.
An HOA is a legal claim your homeowners association can place on your property when you don't pay required fees or violate certain community rules.
The authority to file a lien comes from the community's governing documents, giving the association the right to secure unpaid debts through legal means.
Yes, in most cases, an HOA can legally place a lien on your home, and they often don't need your permission to do it.
Once a lien is in place, it can affect your ability to sell or refinance your home until the issue is resolved.
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