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Homeowner Defenses That Could Be Used in the HOA Foreclosure Process. As an HOA Board member you may be faced with the task of having to make the decision to foreclose on homes in your association. Weâve all been challenged by the financial climate these last few years and it is going to take some time to bounce back.
The homeowners facing foreclosure are told that: 1  Participation in this plan is the only way to save their homes from foreclosure. 2  They can keep their homes by renting them back from the investor for up to five years.  After five years, they can purchase their homes back from the investor.