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There are many reports of owners who lost properties over a few hundred dollars. In some cases, homeowners had no idea that there was a foreclosure in the works. To make things worse, when homeowners attempt to make partial payments, the HOA may refuse to accept them and continue with foreclosure proceedings. When late fees, interest and attorney charges are added to the outstanding balances, they can skyrocket and become unaffordable. Most homeowners have no idea that their HOA can foreclose for late payment of dues or assessments. Related: HOA dues (and don’ts) How HOAs can force residents into foreclosure And find out how many the HOA has had in the past. You’ll also want to ask about pending special assessments you might have to pay. Guest policy for shared areas and facilities.HOA’s recourse for nonpayment, like fines, liens and foreclosure.The process to change or add rules, which may be burdensome.Other renovations or repairs, like installing solar panels or a satellite dish on the roof.The exterior, including paint colors or landscaping.But some HOAs list rules in a separate document. Most of the rules should be found in the CC&Rs. HOAs can keep members from harming their neighbors’ property values with visible junk or garbage or bizarre home “improvements.” However, they can also nit-pick what you consider ordinary activities.Įven worse, some HOAs flat-out bully their residents, even to the point of forcing them into foreclosure. Instead, you can have your HOA enforce the rules and you can return to quietly enjoying your property. Related: HOA dues can make a condo more spendy than a house If the family across the street lets their dogs bark all night, rebuilds auto motors out front, and throws parties every weekend that make it impossible for you to get into your driveway, you don’t have to confront them. They monitor your neighbor’s behavior as well as yours, and that can be a positive thing. Verify your new rate (Nov 18th, 2021) HOAs: good, bad and ugly And if the regs drive you out, they may prohibit the “for sale” sign in your yard. HOAs can limit the number of and types of pets you can have, and whether you can put up a clothesline or even park in your own driveway. It is very common for HOAs to regulate the color you paint your house and other exterior changes.They may also tell you what kind of plants you’re allowed to have in your yard.There may be deal-breaking provisions in that document. If you fall in love with a home in a homeowners association (HOA), check the HOA rules as soon as you can.