In this economy, many homeowners are having financial hardship and couldn’t afford to pay their mortgage, some of them have home owner association dues to pay every month and it is quite natural that they cannot afford to pay their HOA dues also. This is a common question “Can Home Owner Association foreclose my house if I don’t pay my HOA dues?”

Even though, it is a small amount as compared to the mortgage payment, HOA has the right to foreclose if the homeowners are not paying the dues.  Look at the below video where home owner associations are fighting back and foreclosing the houses.

When you are doing short sale and if you are not paying the hoa dues on time, they can put a lien on your house or send it to the collection, which will make it harder to get the approval without settling their dues, so my suggestion would be to pay the HOA dues if possible.

If you are in bay area and would like my assistance in short sale, please contact me at 510-366-9405, I would be happy to assist you and I don’t charge any fees, it is a free service to you. So, give me a call now to see if you qualify for short sale.

Most of the homeowner who has Home Owner Association (HOA) has this question when they cannot afford their monthly mortgage payment that “who pays my HOA in short sale?”

When the homeowner is in financial difficulties, sometimes they cannot afford to pay the home owner association fees along with other payments. Even though, it’s much lower payment than the mortgage payment but believe me they have the right to foreclose if you miss the HOA dues for couple of months or more, depends on the association rules and regulations. 

But in this tough market, most of the association doesn’t want to foreclose but most probably they will send it to collection department to collect it from the home owners for the due amounts.  They add their additional fees also with that balance due amount when it goes to collection.  Now, if you are not paying the association fees, they will put a lien on your property, which will make it hard to sell the property without clearing their dues. 

If you are doing short sale then sometime the lender pays all of your HOA dues but not all the banks pays for it.  You need a trained and experienced short sale agent on your side to negotiate with the lender to pay the HOA dues or make some kind of arrangement with HOA so that you can complete the short sale process. 

Trust me, HOA people is hard to deal with, they don’t want to give up any of their due amounts and most of them, don’t even care whether the homeowner is facing foreclosure or not.  If the lender doesn’t pay the HOA balance dues and no one else pays then you cannot complete the short sale even if the lender approves the short sale.  So, it is really important that you always work with an experienced short sale agent in your area, who knows how to handle the short sale process.

If you have any questions or need my assistance in selling your house then please contact me at 510-366-9405 or email me.  I sell not only in east bay (Fremont, Newark, Union City, Hayward) but even I go to San Mateo, Santa Clara, San Jose, Sunnyvale, Milpitas, Mountain View, Brentwood, Tracy, Mountain House, Stockton, San Ramon, Pleasanton, Dublin and other close by areas, so call your bay area short sale specialist for your short sale.