Selling a House with HOA Liens in Florida | Homeinc

Selling a House with HOA Special Assessments or Back Fees in Florida? Homeinc Buys As-Is for Cash.

Florida’s post-Surfside structural safety law (SB 4-D) has triggered massive special assessments on condo and HOA-governed properties — many ranging $30,000-$150,000+ per unit. Owners who can’t afford the assessments often can’t sell either, because financing dries up when assessments are pending. Homeinc buys condos and HOA properties with pending special assessments and back HOA fees, in cash, as-is, with no requirement that you settle these debts first.

Why This Situation Kills Traditional Real Estate Sales

Florida HOA and condo special assessments are now a primary deal-killer in the market. Mortgage lenders refuse to fund the purchase if special assessments are pending or if reserves are inadequate (per Fannie Mae’s Project Eligibility requirements). Even cash buyers often walk because the assessment can hit them after closing. Back HOA fees create lien-like situations on title. Owners can be stuck for years.

How Homeinc Helps Florida Sellers Through This

Homeinc closes despite pending special assessments. We buy as-is, with the assessment situation factored into our offer. Back HOA fees get paid off at closing as part of the transaction. You don’t need to settle anything in advance. We take on the assessment going forward as the new owner. You walk away from the building, the fees, and the assessment all at once.

The Homeinc Promise

• We buy as-is. No repairs, no remediation, no inspections required from you.
• Zero fees. No commissions, no closing costs, no hidden charges. Our offer is what you receive.
• Cash. We don’t need bank approval. We don’t need insurance to close. We use our own funds.
• Close in 7-21 days. Or your timeline.
• Local Florida buyer since 2013. A+ BBB. 950+ five-star reviews. We close what we offer.

How Selling to Homeinc Works

1. Tell us about the property. Form or call 888-850-2636. Takes 2 minutes.
2. Get a fair as-is cash offer. Usually within 24 hours. No obligation.
3. Close on your timeline. 7 days to 60 days. We pay closing costs.

Frequently Asked Questions

Can you buy if my condo has a $80,000 special assessment pending?

Yes. We routinely buy condos with pending assessments. The assessment lowers our offer but we still close.

What about back HOA fees in collections?

We pay these at closing. Liens cleared as part of the transaction.

What about buildings that failed structural inspection?

Yes. Florida’s milestone structural inspections have triggered some buildings to require massive work. We buy units in those buildings.

Will my offer be much lower because of the assessment?

It’s factored in — but we’re typically still higher than what you’d net trying to negotiate with an FHA buyer who can’t close.

How fast can you close?

7-21 days typical for Miami, Broward, Palm Beach condos with assessments.