Can I lose my home if I do not pay my homeowners or condominium association fee?

If you fail to pay your fees, dues, fines, or assessments, it is likely that your homeowners association (HOA) or condominium owners association (COA) can place a lien (debt) on the property. A lien puts you at risk of losing the home to foreclosure.

Your HOA or COA documents will describe the lien and foreclosure rights and processes.

Review your bylaws, covenants, conditions, and restrictions, or other governing documents. These will explain if and how your HOA or COA can take your home for money you owe to them. Timelines are very specific and differ depending on the type of housing.

We recommend you consult with an attorney if you are having problems with a debt owed to your HOA or COA.