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HOA software gives you the tools to simplify administrative tasks like processing payments and repair requests from homeowners. For a free consultation, call The good news is that the expenses are usually consistent. With delinquencies in fees and assessments, HOAs must get creative to shore up their reserves. Here are some strategies that might work for your association, if you have the need to make some cuts: Consider cancelling or delaying non-essential repairs or improvements.
When contracts are up for renewal, shop around for better pricing. If you have emergency reserves, consider using them if allowable in your covenant. Consider investing in an HOA app or property management software that provides a live snapshot of your financial health with daily reconciliations. HOA recordkeeping is more important than ever Keeping good HOA records goes hand-in-hand with the heightened importance of budgeting.
Good record keeping is also important in the event there is staff turnover or an HOA board member resigns. Click to contact our get a no-obligation demo of our revolutionary CINC System Homeowner engagement grows in necessity With greater access to HOA staff — and vice versa — the lines of communication have improved and will continue to improve. As a homeowner, you must know what an HOA foreclosure entails and what you can do if you ever face one.
These assessments and fees are then used to fund various expenses within the HOA, such as common area maintenance and repair. When homeowners first agree to join an HOA , they also agree to pay these assessments. Naturally, there are consequences that you must face if you fail to pay these assessments. Perhaps one of the most well-known consequences is an HOA lien and foreclosure. That means even if you stay up-to-date on all your mortgage payments, you can still lose your home to the HOA if you stop paying assessments.
Even if you are only a few hundred dollars in debt to your HOA, the association can still have the power to foreclose on your property. This type of foreclosure typically undergoes the same process as a foreclosure brought on by your mortgage lender. When an HOA forecloses on your property, it can take the judicial or non-judicial route. A judicial foreclosure requires a lawsuit and takes the matter to court, whereas a non-judicial foreclosure does not.
Often, an HOA will record this lien with the county records office, though this is not a mandatory step. If you want to remove the lien from your house, you need to settle your debt with the HOA. That includes the original assessment amount as well as any fines, interest, or penalties associated.
You may even need to pay for attorney fees. When you have a lien attached to your property, you will have a hard time selling it because you lack a clear title. What About Mortgages? When an HOA places a lien on a property, the lien usually takes precedence over other existing liens. This includes the mortgage, but not the first mortgage, provided it was recorded prior to the lien placement.
Though, if you signed any promissory notes, you will still need to settle those debts. If you have a lien on your home, the HOA will not be responsible for keeping up with mortgages. That means you will still need to pay off your mortgage to your lender. Once the HOA decides to foreclose on your home, though, you can stop paying your mortgage. The HOA will then assume the responsibility of making the rest of the mortgage payments.
However, more often than not, the HOA will simply allow the mortgage lender to foreclose on the property and then sell it to a new homeowner.