You have some great replies below if anything helped you that you can share back here to help future home owners in your similar situation we would like to know how this ended up working out.
Or the best one I heard is from a HOA manager who had an owner who had not made hoa payments for a long time and had paid cash for the property say that the HOA cannot foreclose on my home becouse I paid cash for it. Unfortunatley for the owners the property was auctioned at courthouse steps the auction buyer removed all furniture and personal items and sent them to the dump remodeled then sold the property.
So to recap any lienholder against your property can foreclose on your property. So do not disregard notices of default even if you are currently paying your loan sometimes they make mistakes and foreclose in error. Contact an attorney immediatly if you have any questions or recieve any notices stating you are being foreclosed on.
At this point, I would start to cut your loses and begin finding a rental home.