Selling Reno And Sparks Real Estate Blog


Wellington Short Sale Sellers: Avoid a Hurdle and Pay Your HOA!

Wellington Short Sale Sellers: Avoid a Hurdle and Pay Your HOA!

Every Wellington short sale will have several hurdles that need to be jumped in order to reach the finish line and one of the biggest hurdles I have encountered over the past year in Wellington Florida are HOA liens (Homeowners Association).

Wellington Short Sale Jumping Hurdles for Short Sale ApprovalLast year I had a short sale buyer purchasing a Wellington FL short sale that had three lienholders; first mortgage, second mortgage and the HOA. It took several months for the short sale seller to come to terms with the first and second lender, but it took almost just as long to come to terms with the HOA.

While the short sale listing agent did an excellent job at negotiating with the HOA, which included the board, an attorney & property manager it still delayed the entire process.

While not all Wellington short sale sellers can afford to pay their HOA dues I highly recommend staying current if they can.

If you are thinking about selling or buying a Wellington FL short sale contact us today to guide you through the entire process from start to finish.

Originally posted at

Michelle Gibson REALTOR®

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Comment balloon 7 commentsMichelle Gibson • July 28 2011 11:16PM


Really great point. If the HOA is contacted in the beging it makes the entire process faster. I ran into something simlar last year and the HOA killed the deal. I have learned my leason.

Posted by mike bitar (Executive Estates) over 7 years ago

Great advice, Michelle.  There was one instance I came across where the HOA foreclosed on the condo.  

Posted by Jane Peters, Los Angeles real estate concierge services (Home Jane Realty) over 7 years ago


This is excellent advice for homeowners everywhere. I see HOA issues all the time, and since most banks will not pay the deliquent HOA fees, this can stand in the way of getting a buyer to step up to the plate. Who wants to pay $4 - 6K in delinquent HOA fees on top of everything else?


Posted by Jeff Dowler, CRS, The Southern California Relocation Dude (Solutions Real Estate ) over 7 years ago

Yes, HOAs are very pesky these days.  In AZ, they are often requiring an upfront "Disclosure Fee" for around $500 to provide a current bill and CC&R's.  The short sale seller often doesn't have the money to pay for it and the buyer is rarely willing to pay for it up front.  And of course, the seller's lender won't pay it up front.  Plus if the Disclosure Fee isn't paid until short sale approval has been received from the mortgage(s), the true bill comes late in the game.  

Posted by Liz Johnson, Realtor Selling AZ Homes ~ Chandler, Tempe, Marico (Keller Williams Realty East Valley) over 7 years ago

Short Sales can be crazy for sure. You never know what you will find.

Posted by John Cannata, Texas Home Mortgage - Purchase or Refinance (214-728-0449 over 7 years ago

Michelle, this is sage advice for homeowners. We have successfully negotiated with HOAs but as time goes on, they are more and more difficult to work with. Paying the HOA can make the difference between a successful short sale and a foreclosure.


Posted by Sharon Alters, Realtor - Homes for Sale Fleming Island FL (Coldwell Banker Vanguard Realty - 904-673-2308) over 7 years ago

Most short sale sellers have no idea that the hoa could hold up a transaction, but now maybe some of them will read this post and get educated.

Posted by Larry Brewer - Benchmark Realty llc (Benchmark Realty LLc) over 7 years ago