A homeowner's association cannot initiate foreclosure proceedings, only a mortgage lender.

Name: A homeowner's association cannot initiate foreclosure proceedings, only a mortgage lender.
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A homeowner's association (HOA) can initiate foreclosure proceedings if a homeowner fails to pay the association fees or dues, or violates other terms of the association agreement, depending on state laws and the terms of the HOA's governing documents.

A Homeowner's Association Cannot Initiate Foreclosure Proceedings, Only a Mortgage