HOA Foreclosure Timeline

The HOA foreclosure timeline varies significantly based on situation and the foreclosing attorney. Generally we see the full timeline from the initial notice of foreclosure, the lis pendens, to a Sheriff sale being somewhere between 5 to 9 months. A lot of homeowners we talk to say that they are being contacted by other attorneys or people trying to buy the house right away after they get the lis pendens notice because the notice is telling homeowners to respond within 20 days if they are in state, 30 days if they are out of state. Many people think that this 20 to 30 day timeline is the full foreclosure timeline but it is only part of the process. This response is just  letting the court know that the homeowner is aware of the situation and is actively working with the HOA attorney to resolve the issue. 

We are not lawyers and this does not constitute legal advice. We are just people who have worked with HOA foreclosures and have seen many patterns. Most of the time we find filing a response with the court just ends up costing the homeowner more in legal costs  and does not help in slowing down the foreclosure process. If you have been contacted by SAHA because of an HOA foreclosure, rest assured that we have people on our team watching the court cases and we will be notifying you as we see the case move forward. 

You can also monitor the case yourself. The key indicators we look for are the official notice opening the foreclosure (lis pendens), the entry of default, the judgment and decree of foreclosure, a praecipe, then finally the notice of sheriff sale.

Received a summons for an HOA foreclosure and not sure what to do? Check out our article Stopping HOA Foreclosure for next steps.

Want to monitor your court case to see what action the HOA is taking? Go to Superior Court Civil Case Search and search by case number (which is on your summons) or homeowner name.