Financing in Queen Creek>Question Details

Cana, Home Buyer in QC

What can happen if I dont pay my HOA bill but still pay my house payment?

Asked by Cana, QC Tue Dec 2, 2008

I want to know if my HOA can take my house if I dont pay the bill, I have always been on time with my house payment. My HOA bill keeps rising but they do nothing!!! I so tired of paying for nothing.

Help the community by answering this question:


do not ever buy a house that has an hoa (home owners association) you will just be paying someone for telling you howto live and what to do with your property. don't ever please. take from some one who has been thru it. its frustrating, if I ever buy a home will have to be with no hoa, period.
0 votes Thank Flag Link Sun May 17, 2015
Hi Cana:

Before you bought your house, you should have reviewed your HOA's CC&R, financing situation, reserve, what it covers and not, the meeting minutes, etc. This allows you to understand what the HOA does for you as a homeowner there and also what the HOA due covers or not. You should also be involved in the HOA board so you can have a say in what the direction of the HOA is.

If they do not fulfill what the HOA documents said what the HOA should do, then you should bring complaint to the HOA board so items promised can be done. You should never skip your HOA dues because the HOA can report you to the credit bureau, they can also put a lien and foreclose on your house and/or not allowing you to sell the house until you caught up with the HOA dues. It will be rather foolish to lose a house not because of huge mortgage payments but because of a rather (comparing to the mortgage) small HOA fee.

Sylvia Barry
Marin Realtor
0 votes Thank Flag Link Tue Dec 2, 2008
Sylvia Barry,…, Real Estate Pro in Marin, CA
You need to review your HOA restrictions. In some instances HOA can foreclosure on your property, or lien the property collect the fees when should ever sale the home. Difficult to state without full review of the HOA guidelines. However HOA members talk they can make your life horrible.
Web Reference:
0 votes Thank Flag Link Tue Dec 2, 2008

OK, instead of playing Lawyer, here is a great web site from a local Arizona law firm that will explain the HOA's power for foreclosure.

I would suggest that you go there and read the article.

Stew Keene
Ph (480) 220-7491
Fax (866- 711 8573
Keller Williams - Scottsdale, AZ
2008-2009 Master of Real Estate award recipient
0 votes Thank Flag Link Tue Dec 2, 2008
Hi Cana

The HOA can cause severe damage to your credit, file a lien against the house and may even go as far as foreclosure.

My question to you is: Did you not receive documents before you purchased that explained you were moving into an HOA? This should of been disclosed to you during your purchase.

I would also suggest you get involved with your HOA, go to the meetings, speak out about how you feel. Find out what is going on or not. Find out how they are spending your money, you have a right to attend and ask the questions.

I have been president of my HOA for two years and once I got involved I realized what does happen in the HOA. I understand it takes real money to pay for the electrical, water, landscapers and management. Yours might be very different and getting involved would be the best way to understand your own HOA.

Not paying your HOA dues may definitely have consequences. At a minimum they are going to want paid in full for back dues and late charges etc. at some point if you sell the home.
Web Reference:
0 votes Thank Flag Link Tue Dec 2, 2008
Hi Cana,

I have dealt with this in the past and the HOA can foreclose on your home. A lot of people dont know that the HOA does have the power to foreclose.
Web Reference:
0 votes Thank Flag Link Tue Dec 2, 2008
The HOA will place a lien on your property for any unpaid dues plus penalties and eventually have the right to foreclose. However, the HOA may choose not to foreclose if you owe more on your mortgage than the property is worth. Not sure if the HOA can report your non payment to the credit bureaus or not, I wouldn't want to find out.
Web Reference:
0 votes Thank Flag Link Tue Dec 2, 2008
Depending on how structured your HOA is, they can foreclose on you. They would do this subject to your mortgage.
0 votes Thank Flag Link Tue Dec 2, 2008
Hi Marcy-what if a person owns a condo and its paid off, can the HOA forclose the condo if its paid off completely?
Flag Wed May 30, 2012
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