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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.
New Guidance Protects Homeowners Facing Imminent Foreclosure. The purpose of the guidance is to define the proper practices for a mortgage servicer's ongoing loss mitigation and foreclosure activities, as well as ensure: that borrowers receive, at minimum, a pre-foreclosure sale review, and. that a loan modification is appropriately considered.