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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.
Ultimately, if you are current on your mortgage, but behind in your HOA dues (and your goal is to keep your home) you should pay the HOA dues or else you may lose your home to an HOA foreclosure.ny creditor with a lien on your home has the legal right to foreclose. This means that if the HOA has a lien on your property, it may decide to initiate a foreclosure, even if youâre current on your mortgage.