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More than half of the owner occupied households in the U.S. are part of a homeowner association (HOA). HOAs provide a variety of services to the community in which it belongs—lawn maintenance, snow removal and uniformity in home appearance just to name a few. However, HOAs with too many restrictions may deter potential buyers. In 21 states, HOAs have “super liens” for unpaid assessments, meaning the HOA could foreclose on properties before a lender.