What happens when a lien is put on your home by the homeowners association?

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Your association placed a lien on your property based on your failure to pay your assessments.


The easiest way for you to clear the lien is to pay the debt you owe and ask the association to release the lien.

(Assessments pay for the maintenance of the property that you own together with all the other owners in the association. You agreed to pay assessments when you purchased your property.)

Your board has attempted to collect your unpaid assessments, and is chartered by your governing documents to collect this debt.

The lien clouds the title to your property, so you will have trouble selling it without paying the debt and authorizing the association to release the lien.

A clouded title can become problematic should you desire to refinance your home, take out another mortgage on it or otherwise use your title as collateral. In addition, a lien against your property will probably appear on your credit report.

Some associations can also foreclose on your property and sell it to satisfy the debt that you owe. Your governing documents will clarify where in the collection process, filing a lien might be positioned.
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