Definition
A legal claim against your property when you don't pay HOA fees or special assessments. Liens are serious—they can prevent you from selling or refinancing and can lead to foreclosure.
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HOAs can place liens on properties with delinquent fees, priority liens in many states ahead of mortgages. This gives HOAs strong collection power. Liens appear on property records and can prevent sale or refinancing. Delinquent owners face eventual foreclosure. HOA fee delinquency is serious.
Pro Tip
Treat HOA fees as mandatory obligations. Liens and foreclosures are fast and devastating.
Example
An owner 6 months delinquent on $1,500 in HOA fees faces a lien; continued non-payment could result in property foreclosure