Identify HOA Liens Before It’s Too Late

Protect Your Portfolio With HOA Lien Pro

Super Lien Monitoring to Mitigate Risk

In nearly two dozen states, HOA liens resulting from delinquent homeowner dues can supersede first and second mortgages. With over 27 million housing units in the U.S. subject to an HOA, this presents a significant risk to servicers and investors1.

Identifying loans in a portfolio can be challenging. At-risk properties can be easily overlooked because of varying judicial and non-judicial state processes. Yet, with the current COVID-related economic conditions and foreclosure moratoriums ending this year, servicers and investors need to be more diligent than ever in mitigating HOA super lien risk.

Complimentary eBook: Managing HOA Risk in Super Lien States

Complete the form to download our complimentary eBook today to see how you can protect your portfolio.

Proactively Maintain Your First-lien Position

Identifying HOA liens or unpaid dues is essential to mitigating risk and minimizing losses. Black Knight’s HOA Lien Pro provides an efficient, cost-effective way to identify super-lien risk. The solution automatically monitors a servicer’s portfolio and identifies open HOA liens and foreclosure activity.

HOA Lien Pro also provides critical information, such as lien-recording dates, document numbers, party names and court case numbers so servicers and investors can proactively manage risk and cure HOA payment delinquencies before it’s too late.

Super Lien States

In 21 states plus the District of Columbia and Puerto Rico, HOAs may foreclose on a lien. However, some states are not defined as super lien states, but allow an HOA to foreclose on a property if specified in the association’s governing documents.

HOA Solutions Across the Mortgage Life Cycle

Full Suite of HOA Products & Services

Black Knight’s HOA Solutions Can Help You:

Use HOA Lien Pro to uncover HOA liens and foreclosures  

Mitigate risk in all super lien states

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Prevent significant financial loss

Complimentary eBook:
Managing HOA Risk in Super Lien States

Download our complimentary eBook today to see how you can protect your portfolio from HOA liens.

Fill out the form to get started.

Complete the form to receive our complimentary eBook.

1: Foundation for Community Research, 2019-2020 U.S. National and State Statistical Review For Community Association Data