What Is an HOA Foreclosure?

What Is an HOA Foreclosure?

Imagine what you could do if you had passive income each month. One of the best ways to achieve financial freedom is through investing in rental property. However, there are many nuances associated with this obligation.

For instance, you might find yourself dealing with an HOA foreclosure in McDonough, Georgia. This involves more than losing access to your owner portal and the membership perks of the association.

We've written a brief guide on how to navigate this issue. Let's explore the key information you need to know about the consequences and causes of HOA foreclosure.

What Is HOA Foreclosure?

As the name implies, this is the process of having your home foreclosed by the relevant homeowners association. It occurs from failing to pay your assessments to the organization. Regardless of why you don't satisfy these requirements, the organization could put a lien on your property.

Keep in mind that it's possible to prevent an HOA foreclosure once the organization decides to take action. Making a lump-sum payment is the most common way people do so.

This should cover all association dues, late fees, and interest. As long as you take care of all your outstanding financial requirements, you shouldn't have an issue moving forward.

HOA Foreclosure Details

There's no shortage of nuances regarding HOA foreclosures. Understanding these can help ensure you handle them appropriately. Listed below are some of the most notable.


Once the HOA has decided to foreclose on your home, you'll receive an official notice. This states the reason for the incident and the consequences that will follow. For example, you might have fees to pay.


Depending on the scenario, the association may impose fees and charges. This is most common for those who fail to satisfy HOA financial requirements. The association could also charge interest, attorneys' fees, and overdue assessments.

Lien Enforcement

The HOA will then place a lien on your home. It's worth noting that the lien is invalid if the association doesn't enforce it. If you're unsure of the validity of the lien, consult with an attorney to discuss your options.

Taking Action

You might have legal recourse if the association infringed upon your rights. You could also negotiate on overdue amounts and save your home. It's always recommended to avoid getting embroiled in legal conflicts if possible, as these are time-consuming and costly.

Avoid HOA Foreclosure and Owner Portal Loss

Losing owner portal access is the least of your worries when dealing with an HOA foreclosure. The information in this guide will help ensure you avoid this occurrence and handle problems that arise. From here, you should have no trouble reaching your goals.

PMI Peachstate is a full-service property management service in McDonough, Georgia. We leverage state-of-the-art technology to provide the highest quality service to our clients.

We specialize in association management for homeowner associations, property owner associations, condo owner associations, and developing communities. You'll learn more about the many benefits we can provide when you get in touch with us today.