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Property Management Blog

What Is an HOA Lien?

System - Monday, June 12, 2023

Think about the last time you thought about buying a home. Maybe you saw a couple of homes, but something was off. The yard didn't look great, or the front of the house needed some extra paint. You probably walked away from the house with a bad taste in your mouth.

Now think about how you'd feel if someone felt that way about your home. Luckily, you don't have to worry about that if you have a homeowners association.

HOAs are common in modern communities as they help maintain the quality of life in neighborhoods. They also help protect property values.

One way in which HOAs enforce their rules and regulations is through the use of liens. In this article, you'll find information on what an HOA lien is, how it works, and the consequences of failing to pay HOA fees in Vancouver, WA.

What is an HOA Lien?

An HOA lien is a legal claim placed on a homeowner's property by the HOA. HOAs use liens to collect unpaid assessments, fines, or fees that the homeowner owes the association.

When a homeowner fails to pay their dues, assessments, or fees, the HOA will request payment. If these requests go unanswered, the HOA may place a lien on the property.

How Does an HOA Lien Work?

The HOA lien on the property gives the HOA the right to collect the debt from the homeowner by selling the property. The lien can prevent the homeowner from selling or refinancing the property until the debt is paid in full.

That means the HOA's debt must be paid before the homeowner can get out from under the lien. If the homeowner continues to ignore the lien, the HOA may take further legal action, such as foreclosure, to collect the debt.

Consequences of Failing to Pay HOA Fees

Failing to pay HOA fees can have serious consequences, including the placement of an HOA lien on the property. This can affect the homeowner's ability to sell or refinance the property.

It could result in additional fees and legal costs. If the homeowner continues to ignore the lien, the HOA may initiate foreclosure proceedings. These can lead to the sale of the property to satisfy the debt owed.

HOA Services

HOA services can vary depending on the association and its governing documents. In Vancouver, WA, they may include maintenance of common areas, landscaping, trash removal, and community events.

HOAs may also provide amenities such as pools, gyms, and playgrounds. In exchange for these services, homeowners are required to pay HOA fees.

How to Avoid an HOA Lien

To avoid the placement of an HOA lien, homeowners should make sure to pay their HOA fees on time. Payment instructions should be outlined in the association's governing documents.

Homeowners should also familiarize themselves with the HOA's rules and regulations and follow them accordingly. If homeowners are struggling to make payments, they should contact their HOA as soon as possible to discuss payment options. Many associations offer payment plans or other options to help homeowners avoid the placement of a lien.

Reviewing the Facts About HOA Liens

To recap, HOA fees are required in exchange for HOA services, and failure to pay these fees can result in the placement of an HOA lien on the property. Now that you're aware of the rules and regulations regarding HOAs, you're ready to explore getting an HOA for your community. When you're ready, get in touch with the HOA management experts at Invest West Management.

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Vancouver, WA 98684

Phone: Vancouver: (360) 254-5700
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