Foreclosure

An HOA can, in many states, foreclose its assessment lien and sell the home. That is a real-property foreclosure, not an eviction. You still own the house until the sale; the association is not your landlord. HOA foreclosure is the association using its lien to force a sale of the property, the way a mortgage lender does. It is not a lock-change. It is not a three-day notice to pay rent or quit. You are an owner, not a tenant of the HOA. Mixing those up leads people to ignore a foreclosure complaint because it doesn't look like an eviction — and then they lose the house. Nolo's overview: if an HOA has a lien, it may foreclose even if the home has a mortgage, as permitted by the CC&Rs and state law. Judicial foreclosure means the association files a lawsuit and gets a judgment authorizing a sale. Nonjudicial foreclosure means it follows a statute and the CC&Rs without a lawsuit, where that's allowed. State law often adds due-process limits on when an HOA may start.

This is general information from an AI helper, not legal advice. Confirm it against your documents and your state's law. If a deadline or hearing is coming up, talk to a licensed lawyer.