Homeowners’ associations in California have the responsibility of maintaining common areas and enforcing community rules and regulations.

If homeowners fail to comply with HOA rules, the association can file a lien against the property, leading to serious consequences. This article will explore when an HOA can file a lien against your California home and the steps to prevent it.

Non-payment of HOA dues

The most common reason for an HOA to file a lien against a California home is when the homeowner doesn’t pay the dues. Homeowners must pay regular assessments to the HOA for maintaining common areas and providing community services. If a homeowner fails to pay these dues, the HOA can file a lien against the property to ensure payment. The lien can include past-due assessments, interest and penalties, and can lead to foreclosure if not resolved.

Violation of CC&Rs

Another reason an HOA can file a lien against a home is for violating covenants, conditions, and restrictions. CC&Rs are the rules and regulations that govern the use and maintenance of properties within the community. If a homeowner violates the CC&Rs, such as making significant changes to the exterior of their home without permission, the HOA can file a lien against the property until the homeowner corrects the violation.

As a homeowner, it is essential to understand the terms of your HOA agreement. In case of an HOA filing a lien against your home, take immediate action to resolve the issue and prevent further consequences. If you’re unsure of what steps tp take, seeking the assistance of a qualified professional can also be helpful in navigating the process and protecting your rights as a homeowner.