Can my HOA really take my house over unpaid dues?

Yes. In Florida, an HOA can place a lien for unpaid assessments and foreclose on that lien, separate from your mortgage lender. It can move faster than most homeowners expect.

How much time do I have before the HOA forecloses?

It varies by association and how far behind you are, but once a lien is filed and a foreclosure case starts, the clock is real. The earlier you act, the more options you have — including selling before a judgment is entered.

Can I sell my house if I owe back HOA dues?

Yes. Past-due HOA dues, along with your mortgage payoff, come out of the sale proceeds at closing. We factor both into the numbers up front so you know what's actually left over.

What if I owe more than the house is worth once the mortgage and HOA dues are counted?

We still want to talk to you. Depending on the numbers, there may be options like a short sale or a negotiated payoff with the HOA. We'll tell you honestly if selling doesn't make sense before you commit to anything.

Is there any cost or obligation to get an offer?

No. We'll show you the numbers — mortgage payoff, HOA balance, and what's left — in writing, with zero obligation.

Behind on HOA Dues? Facing Foreclosure? Get a Written Offer Before the Sale Date.

An HOA lien foreclosure doesn't erase your mortgage — a buyer at that auction still takes the property subject to what you owe your lender. That means the "equity" math is more complicated than it looks, and most homeowners never get a straight answer on it. We show you the real numbers — mortgage payoff, HOA balance, and what's actually left — before you lose the house.

Serving Jacksonville, Fernandina Beach, Yulee, Orange Park, St. Augustine, Palatka, and all of Northeast Florida.

Behind on HOA dues

Lien filed against the house

Foreclosure case started

Still have a mortgage too

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We factor in your mortgage payoff, not just the HOA lien So you see real numbers, not a misleading "equity" figure.

✓

HOA dues and mortgage payoff handled at closing Nothing out of pocket to sell.

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We can close before the foreclosure sale date Once the auction happens, your options shrink fast.

Real Case — $150,000 Seller-Financed, Attorney-Closed 2024

An heir sold to us at $160,000 — $150,000 of it seller-financed with monthly payments, attorney-closed and secured by the property. The structure also protected her living situation and her water rights.

See the redacted closing statement →

Get Your Written Offer

We reply fast: initial email review in 1–2 hours. No obligation.

What's the main situation?

What Makes an HOA Foreclosure Different

It's not the same as a mortgage foreclosure — and most homeowners don't find that out until it's too late.

The mortgage problem

Your mortgage doesn't go away

Florida law is clear: an HOA lien foreclosure does not wipe out a first mortgage. A buyer at that auction takes the property subject to whatever you still owe your lender. That single fact changes what "equity" actually means here.

The clock problem

It can move faster than you expect

Once an HOA files a lien and starts a foreclosure case, there's a real timeline. Selling before a judgment is entered protects you far more than waiting to see what happens.

The math problem

Most people never see the real numbers

Mortgage payoff, HOA balance, and any other liens all have to be counted together to know what's actually left over. We show you that math in writing before you decide anything.

How We Help Before the Sale Date

The right move depends on your numbers and your timeline. We show you both before you decide.

Best for Speed

Net Cash Offer

A guaranteed cash price that pays off your mortgage and HOA balance at closing. We typically cover standard closing costs. We buy as-is. You pick the closing date.

Closes in as little as 10–14 days
No repairs needed

If You Still Have Time

Terms Sale

If the foreclosure clock isn't running out yet, a terms sale can pay you more over time — mortgage and HOA balance still handled at closing, everything secured by attorneys.

Higher total payout than cash
Monthly income potential

The Real Math

Mortgage + HOA Payoff Breakdown

We show you the actual numbers — mortgage payoff, HOA balance, and any other liens — so you know what's really left, not a guess based on the HOA lien alone.

Transparent math
No pressure guidance

Real Closings — Redacted HUD Proof

Real Closings. Real Numbers. No Guessing.

Each card shows a real situation we solved — with a redacted closing statement you can review. Look for "Due to Seller" on the HUD.

InheritanceTenantsCode Issue

"She feared losing her water."

Situation: Inherited mobile home. Tenant trashed it. Shared well + code restrictions blocked a normal sale.
What we did: Structured a plan that protected her living situation and water rights.
Result: Clean closing with net proceeds in hand — no panic decisions.

LandlordTenantsRepairs

"She wanted out — without hurting tenants."

Situation: Burned-out landlord. Repairs needed. Didn't want to displace tenants or manage contractors.
What we did: Presented cash and terms options. Committed to keep tenants in place short-term.
Result: Sold without showings, repairs, or tenant chaos.

Late PaymentsLienRepairs

"She was upside down and stuck."

Situation: Behind on payments. Code lien. Would've needed cash to close a traditional sale.
What we did: Took over the existing mortgage and covered closing costs — no out-of-pocket for her.
Result: She walked away without bringing a check to closing.

📁 Full redacted closing statements available on request. Every deal is attorney-closed.

Straight Answers — No Runaround

The questions we hear most about HOA foreclosure.

Yes. In Florida, an HOA can file a lien for unpaid dues and foreclose on it, just like a mortgage lender. It doesn't take as much unpaid balance as most people think.

No. A first mortgage survives an HOA lien foreclosure — a buyer at that auction takes the property subject to your existing mortgage. That's a critical detail most people don't realize, and it changes what any "equity" number actually means.

It depends on the stage of the case, but the process moves faster than most people expect once a lien is filed. The safest move is to act before a judgment is entered, not after.

Yes. Past-due HOA dues get paid off at closing, straight out of the sale proceeds, the same way a mortgage payoff does. You don't need cash up front to fix it.

We'll tell you honestly if that's the case. Sometimes there's still a path — a short sale, a negotiated payoff, or a deed transfer — and sometimes there isn't. Either way, you get real numbers instead of a guess.

No. We run the numbers and give you a written offer at no cost. You decide what to do with it.