“The Cash Offer Company”
If your Homeowners Association (HOA) is making it difficult to enjoy or sell your property, you’re not alone. Many Virginia homeowners find themselves tangled in disputes over fines, violations, architectural approvals, or unpaid dues. But the good news is: you can still sell your house, even if there’s a problem with your HOA.
This 2025 guide will walk you through your rights, Virginia laws, and how to sell your house fast even with unresolved HOA issues with help from The Cash Offer Company.
Common HOA Problems That Affect Virginia Home Sales
HOAs exist to protect neighborhood standards but sometimes they do the opposite. Common HOA issues we see with sellers include:
- Unpaid dues or escalating late fees
- HOA liens placed on the property title
- Disputes over landscaping, fencing, paint color, or renovations
- Threats of legal action or denied sale approvals
- Excessive fines for small violations
- Delays obtaining resale packets or estoppel certificates
If any of these sound familiar, don’t worry you have options, and you don’t have to face them alone.
Can You Sell a House With HOA Violations or Fines?
Yes — but there are some hurdles to clear first. When selling a home in an HOA community in Virginia, you are required to:
- Request a resale disclosure packet from the HOA (under Virginia’s Property Owners’ Association Act)
- Disclose any known HOA violations or outstanding fees/liens
- Ensure any monetary obligations are addressed before or at closing
HOAs typically require sellers to pay:
- Outstanding dues or late fees
- Transfer or document fees
- Fines or penalties associated with violations
If these items are not resolved, the title company may not be able to close the sale unless the buyer is willing to assume responsibility (which cash buyers like us can do).
What Is a Resale Disclosure Packet?
Virginia law (Va. Code § 55.1-1808) requires homeowners to provide a resale disclosure package when selling a home in an HOA community. This includes:
- Governing documents (CC&Rs, bylaws)
- Current fees and assessments
- Notice of any pending violations
- Financial health of the association
- Rules affecting the new buyer
Most HOAs charge $150–$400 to provide this packet. Delays in obtaining it can hold up closings, so request it early in the process.
Learn more at the Virginia CIC Ombudsman Office.
What If There’s an HOA Lien on the Property?
HOAs can place a lien on your home for unpaid dues, fines, or violations. This lien must be paid off or negotiated before closing unless the buyer agrees to assume it (which most retail buyers won’t).
However, The Cash Offer Company buys houses with existing HOA liens. We’ll contact the HOA, negotiate if needed, and handle payoff at closing.
Can an HOA Block or Delay a Sale?
In most Virginia HOAs, the association cannot legally block your right to sell but they can delay the sale if required documents aren’t provided or if liens aren’t cleared.
Some communities (especially condos) may require:
- Pre-sale inspections
- Approval of the buyer by the board
- Signed estoppel certificates
If you’re facing a hostile or slow-moving HOA, we can help speed things up or buy the property regardless of approval delays.
How We Help Virginia Sellers With HOA Problems
At The Cash Offer Company, we’ve helped sellers across Virginia close deals despite HOA headaches. We specialize in:
- Paying off liens or fines at closing
- Working with HOAs to get documents quickly
- Buying as-is — no repairs, no cleaning, no showings
- Buying houses with ongoing disputes or unresolved violations
Whether you’re dealing with late fees, ongoing fights with the board, or simply want out, we make it easy to move on.
Where HOA Issues Commonly Come Up in Virginia
- Richmond suburbs — neighborhoods with older or stricter HOAs in Forest Hill, Church Hill, Jackson Ward
- Henrico, Chester, Powhatan — newer developments with strict landscaping and maintenance rules
- Petersburg, Hopewell — legacy fines or liens on inherited homes
FAQs: Selling With HOA Problems in Virginia
Do I have to disclose HOA violations when I sell?
Yes. Virginia law requires you to provide a resale disclosure packet listing any open violations or issues with the HOA.
Can I sell if I owe HOA dues or fines?
Yes but the lien or balance must be paid at or before closing. We can buy the house and pay those dues from your proceeds.
Can I sell if my buyer is rejected by the HOA?
Most HOAs can’t reject a buyer, but some have rules for review. We buy with no approval process required.
What if I inherited a house with HOA debt?
We can help. We buy inherited homes in HOAs and work with title attorneys to resolve the debt and violations after closing.
Why Work With The Cash Offer Company?
We’re a local husband-and-wife homebuyer team that understands Virginia’s HOA systems. We’ve closed dozens of deals where traditional buyers and agents couldn’t especially when HOAs created roadblocks.
- Sell your house as-is — HOA issues and all
- We handle document collection, fees, and payoffs
- No agent fees or delays
- Close in 7–14 days or on your timeline
Take the Next Step
Tired of dealing with your HOA? If violations, fines, or red tape are standing in your way, contact The Cash Offer Company today. We’ll make a fair, all-cash offer and help you close no matter what’s going on with your HOA.
Contact Information
The Cash Offer Company
Phone: 804-215-4004
Email: info@thecashoffercompany.com
Website: https://www.thecashoffercompany.com/
Disclaimer: This blog is for informational purposes only. It does not constitute legal advice. For HOA or real estate legal questions, consult a qualified attorney licensed in Virginia.