08/04/2026
A recent Wall Street Journal article reports that HOA foreclosure filings are rising sharply across the country. In the first quarter of 2026 alone, there were 6,376 HOA-related foreclosure filings, nearly 40% more than two years ago. HOAs also filed more than 285,000 liens last year as rising insurance costs, reserve funding requirements, and special assessments put pressure on association finances.
Many homeowners assume that staying current on their mortgage means their home is protected. Unfortunately, HOA liens and collection actions can create serious risks long before a homeowner speaks with an attorney.
That’s exactly why we built:
✅ Davis-Stirling-Act.ai for California homeowners and HOA boards
✅ TexasHOALaw.ai for Texas POAs and COAs
✅ FloridaHOALaw.ai for Florida homeowners, condo owners, and associations
Our tools help you:
• Understand your rights and obligations under your state’s HOA laws
• Review HOA notices, violation letters, fines, and collection demands (California in beta)
• Analyze your governing documents and CC&Rs
• Generate records requests and dispute letters (California in beta)
• Identify deadlines before they become legal problems
• Get answers in plain English without paying hundreds of dollars per hour for an attorney
The best time to learn your rights is before a lien is recorded and before a foreclosure process begins.
If you live in an HOA, take a few minutes today to understand the rules that affect your home. It could save you thousands of dollars—and potentially your home.
🌐 California: Davis-Stirling-Act.ai
🌐 Texas: TexasHOALaw.ai
🌐 Florida: FloridaHOALaw.ai
https://www.wsj.com/real-estate/homeowners-associations-are-foreclosing-on-more-residents-aba6f027
There has been a sharp rise in HOA foreclosures on properties from suburban condos to luxury homes.
