A MAN says his homeowners association sold his home without notice, claiming it all started with a dispute over a dead tree.
Jose Mendoza and hishad lived in their home for seven years until he was told the property had been foreclosed on, even though he had never missed a mortgage payment.
At first Mendoza thought the call he received was a scam, but his ex-wife Lupita, who still lived in the house with their two children, also received a similar call.
After speaking with city officials and her real estate agent, her nightmares were confirmed.
“We realized it was actually true: the house belonged to someone else,” said Jose and Lupita’s daughter Naomi Mendoza.
“We haven’t received any information about thiswanted to file for foreclosure,” she said. “We would have done something to prevent all of this.”
The Mendozais just the latest in a series of foreclosures initiated last year by the HOA that ruled over its Denver neighborhood.
They said the problems started with a series of charges ranging from $100 to $400 for minor violations such as an oil-smeared sidewalk and a dead tree.
The fines added up to more than $6,600 in debt – half of which was HOA legal fees.
The family knew they were behind on their payments, but didn’t know they had to pay with their house.
The Master Homeowners Association for Green Valley Ranch, the HOA behind the foreclosure process, told Bloomberg that foreclosure judgments are rare.
However, single-family home ownership is becoming increasingly commonAcross the country, many residents may not know what they are getting into.
The Mendoza family fell in love with their neighborhood, Green Valley Ranch, in 2016 after seeing how quiet and clean it was, Lupita said.
The HOA, founded in 1984, had become more diverse by the time the Mendozas moved in, offering families and first-time homeowners the opportunity to build wealth and housing stability across generations.
However, management quickly became a thorn in Jose’s side after he received complaints such as that his garage door was painted two different colors – a feature left behind by the previous owner.
Other than that, the Mendozas weren’t too worried about joining the South Green Valley Ranch, which includes about 4,600 homes.
However, after thatAs the family left home, they tried to put together their options.
The foreclosure comes after the sudden death of Carla, Jose and Lupida’s daughter-in-law.
“I guess it was a tough start to the year. It went pretty well. And then it kind of went downhill,” Naomi said.
“We all focused on the house for a minute. And then we lost her.”
Their attorney, Ross Ziev, is helping them challenge the HOA, arguing that new laws should have prevented the foreclosure.
TheThe maximum fine for a violation is $500 and HOAs must notify offending homeowners before taking action.
The Mendozas are still awaiting a hearing to challenge their foreclosure.
The US Sun has reached out to the Master Homeowners Association for Green Valley Ranch for comment.