HOA fines, liens, or a dispute you cannot win
An HOA balance that started as a missed quarterly payment can grow into late fees, legal costs, and a recorded lien surprisingly quickly. Some associations can foreclose on that lien independently of your mortgage.
Violation disputes follow the same pattern. Fines accrue while the argument continues, and the work being demanded is often exactly what you cannot afford.
We've got it.
We'll review the property and get back to you within 24 hours with an offer. If you'd rather talk it through now, call us at (432) 296-5971.
What makes this hard
The parts that stall a normal sale
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Fees compound and legal costs get added
Most declarations let the association add its collection and attorney costs to what you owe, so the balance grows faster than the dues alone.
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A lien blocks a normal sale
Recorded liens surface in the title search and have to be cleared before title transfers, which tends to surprise sellers at the worst moment.
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You are unlikely to win the argument
Associations have standing counsel and time. Individual owners generally have neither, and the fines run either way.
Where we fit
What we can actually do about it
- Recorded dues, fines, and liens are settled out of the proceeds at closing. You do not clear them first.
- We buy with open violations in place. No landscaping, painting, or repairs to satisfy the association before selling.
- We handle the estoppel or resale certificate process the association requires.
- The fines stop accruing against you once it closes.
On every purchase, whatever the circumstances:
- No fees or commissions
- We cover closing costs
- Sold fully as-is
- No obligation
An offer within 24 hours. Closing in as little as 7 days, depending on the situation.
Questions
About this situation specifically
Can the HOA stop me selling?
Generally no, though most associations must be paid at closing and many require an estoppel certificate first. Some declarations include a right of first refusal. Send us your documents and we will look.
Who pays the outstanding balance?
It comes out of the sale proceeds at closing, like any other recorded payoff. We will show you the figures before you sign anything.
What if I dispute the fines?
That is between you and the association, and selling does not resolve it. What selling does is stop the balance growing while the dispute runs.
Find out what we would pay
Tell us about the property and we will send a cash offer within 24 hours. If it does not work for you, turn it down.
Would rather talk to someone? Call (432) 296-5971.
Across 73 cities in 18 states.
We've got it.
We'll review the property and get back to you within 24 hours with an offer. If you'd rather talk it through now, call us at (432) 296-5971.