Benutech in the news

Homeowners associations are pursuing foreclosure against more homeowners because of unpaid dues, as local communities wrestle with mounting financial pressure, new data shows.

Fox Business reported that real estate experts said the aggressive collection tactics are being driven by rising operating costs, shrinking reserve funds, and concerns that unpaid assessments could leave associations unable to cover essential expenses.

When someone purchases a home within a homeowners association, they sometimes fail to take into account future expenses such as rising HOA fees and special assessments.

Those additional costs have been hitting some homeowners particularly hard in recent years. In Florida, the state with the most HOAs and condominium associations per capita, the number of liens such associations have filed against homeowners who are delinquent in their payments has been on the rise.

Liens filings by homeowners associations, including condominium associations, are on the rise both nationally as well as in Florida, according to a new report.

The Sunshine State accounted for more than 1 in 6 of all filings in the United States in 2025.

Benutech, a leading real estate technology solutions provider, today announced that its Title Toolbox platform has been named Lead Generation Platform of the Year in the PropTech Breakthrough Awards.

Lower mortgage rates may release some pent-up housing activity, but they are unlikely to fully reverse the behavioral changes keeping Americans in their homes for longer, according to Benutech co-founder Brian Fox.

Homeowners associations across the U.S. are ramping up collection efforts against residents who fall behind on dues, and in more communities, those cases are ending in foreclosure.

The shift comes as many associations face budget strain of their own.

Тhe narrative of the U.S. housing market has been one of “locked-in” stability for many years. We’ve been told that the market is shielded from the kind of systemic collapse witnessed in 2008 because millions of homeowners secured sub-3% interest rates during the pandemic. But a new, quieter crisis is brewing in the shadows of the suburbs — one that doesn’t involve the 3% rate-locked elite, but rather the strivers who entered the market in 2023.

Homeowners associations across America filed 284,933 liens against residents in 2025 — roughly one every 90 seconds — and the foreclosures that follow are now climbing faster than overall mortgage defaults, according to data released this year by real estate technology firm Benutech and analytics company ATTOM. 

Homeowners associations (HOAs) across the nation are reportedly taking a tougher stance on unpaid dues, pursuing foreclosure against more homeowners as communities grapple with mounting financial pressures.

Homeowners associations (HOAs) across the nation are reportedly taking a tougher stance on unpaid dues, pursuing foreclosure against more homeowners as communities grapple with mounting financial pressures.

Real estate experts say the aggressive collection efforts are being driven by rising operating costs, shrinking reserve funds and concerns that unpaid assessments could leave associations unable to cover essential expenses. 

Homeowners associations are taking a harder line on residents as they face higher costs and tighter margins. 

Foreclosure filings are rising sharply as mounting costs leave community boards with little room to absorb delinquent payments, the Wall Street Journal reported.  

When Jo Meleca-Voigt, 55, a disabled retired public educator, bought a Rochester, New York, townhouse in 2021, the homeowners association’s exterior-maintenance coverage was part of the appeal. They budgeted for a $235 monthly HOA fee. Five years in, that fee climbed more than 60%, to $385 a month, and two special assessments in 2023 added another $3,000 to rebuild reserves and repair aging roofs.

Homeowners associations across the country are taking a tougher approach to unpaid dues as rising costs strain community budgets and leave many associations with fewer financial options.

America’s homeowners associations are running out of money — and patience.

Amid rising insurance premiums, drained reserve funds and increased safety measures in the wake of the Surfside condominium collapse, the country’s hundreds of thousands of homeowners associations are cracking down on delinquent residents.

Homeowners associations (HOAs) across the United States are becoming increasingly aggressive in pursuing unpaid fees, with a growing number of communities turning to legal action and, in some cases, foreclosure, according to a Wall Street Journal report.

America’s homeowners associations are running out of money — and patience.

Amid rising insurance premiums, drained reserve funds and increased safety measures in the wake of the Surfside condominium collapse, the country’s hundreds of thousands of homeowners associations are cracking down on delinquent residents.

There has been a sharp rise in HOA foreclosures on properties from suburban condos to luxury homes

Money is getting tighter for America’s hundreds of thousands of homeowners associations, and they are extending a shorter financial leash to their residents.

HOAs are getting more aggressive about pursuing people who rack up unpaid dues, skipping informal grace periods to make up the payments and turning delinquent accounts over to lawyers.

Second lien and home equity line of credit residential mortgage-backed securitization issuance so far in 2026 is the most through this time of the year since the Great Financial Crisis, Bank of America Securities said in its weekly securitization report.

Homeowners increasingly turned to HELOCs and second mortgages to access cash without surrendering their low first-mortgage rates, pushing home equity lending to a record share of mortgage transactions in 2025.

High mortgage rates have reshaped the housing market, encouraging owners to invest in their current homes rather than trade them for new ones

For decades, the American Dream was defined by geographic and social mobility. A home was a stepping stone, an asset to be bought, lived in for a few years, and then traded up as a family grew or a career advanced. But over the last four years, a violent macroeconomic shift has quietly dismantled this paradigm. The American home is no longer a temporary stepping stone; it has been transformed into a financial fortress, and the ramifications are reshaping the landscape of our national economy.

What a new analysis from Benutech reveals is that for more than 82,000 of those households, the front door came with company: a second, third, or even fourth lien silently attached to the property, each averaging between $10,900 and $11,300 — and each representing an additional layer of financial obligation that the broader housing market has barely begun to account for.

More than 82,000 Federal Housing Administration (FHA)-backed mortgages originated in 2023 – about 17% of the total – carry at least one small subordinate lien, layering roughly $880 million of additional obligations on borrowers who already entered homeownership with thinner financial cushions, according to a new Benutech analysis.

Of the 495,086 FHA loans originated three years ago, more than 82,000 currently carry second, third or fourth liens that wouldn't appear in primary mortgage data, according to research from real estate analytics firm Benutech. 

Benutech has launched SellScore and RefiScore, predictive analytics tools available via its TitleToolbox platform. SellScore identifies homeowners likely to list within 6–12 months, while RefiScore helps loan officers spot refinance candidates.

Benutech, a leading real estate technology solutions provider, has launched SellScore and RefiScore, a predictive analytics suite designed to help real estate agents and loan officers identify high-probability listing and refinance opportunities before they surface on the open market.

Benutech has introduced SellScore and RefiScore, a predictive analytics suite aimed at helping agents and loan officers identify likely listing and refinance opportunities earlier, the company said in a press release.

Homeowner associations filed 284,933 liens against residents across the country last year–the equivalent of one lien recorded roughly every 90 seconds–up 8.6% from 2024, according to Benutech Data Insights, Huntington Beach, Calif.

U.S. foreclosures were at a six-year high for the first quarter, up 26% compared to the same period last year. Liens by homeowner associations (HOA) have also been on the rise with an 8.6% jump in 2025 compared to 2024, according to Benutech.

Climbing fees for homeowners and condo associations are also causing some owners to fall behind. Homeowners associations filed about 285,000 liens in 2025, up almost 9% year-over-year, according to real-estate tech company Benutech.

U.S. homeowners associations filed 284,933 liens against property owners last year - an 8.6% increase from 262,446 liens in 2024 and the equivalent of roughly one lien every 90 seconds - according to property records analyzed by Benutech.

HOA lien filings rose to 284,933 last year, according to title agency data provider Benutech, up 8.6% from 2024 levels of 262,446. HOA liens typically occur when owners of homes in HOA-governed communities fall behind on assessments or fees, often leading to foreclosure.

Homeowners associations (HOAs) filed 284,933 liens against U.S. homeowners in 2025 — an 8.6% increase from the 262,446 filings in 2024 and the equivalent of roughly one lien recorded every 90 seconds — according to property records compiled by Benutech.

Homeowners associations filed the equivalent of one lien every 90 seconds in 2025 against residents, with rising numbers hinting at growing consumer financial stress, which was particularly high in some regions of the country. 

According to data from Benutech, HOA liens totaled 284,933 in 2025, up 8.6% from 262,446 in 2024, with Florida, Texas and California leading the way.

While the headlines focus on home buyers, those who have already done the deed are facing their own quieter, more systemic pressure to hold on. A new report from real estate data firm Benutech reveals that between January 2025 and January 2026, mortgage servicers filed more than 808,000 foreclosure-related documents. 

New data released from real estate data solutions provider Benutech reveals that between January 2025 and January 2026, the nation’s mortgage servicers filed more than 808,000 foreclosure-related documents, signaling a year of growing volatility for American families.

Benutech delivers enterprise-grade real estate intelligence through Title Toolbox, a RESPA-compliant, title-branded platform that unifies nationwide property data, research, lead generation, and analytics in one system. 

Benutech’s Title Toolbox represents a breakthrough innovation in real estate intelligence, redefining how real estate professionals and title companies access, interpret, and act on property data. 

Benutech has launched artificial intelligence (AI) powered workflow software designed to bring more speed and accuracy to real estate transactions. This new tool integrates identity verification, compliance checks and real-time data validation into a single workflow.

Benutech, a real estate technology solutions provider, has launched ClientVerify.ai, a workflow software that fully digitizes documentation validation and compliance protocols to bring greater speed and accuracy to real estate transactions.

Benutech's ClientVerify.ai brings ID checks, document capture, and compliance into one workflow for faster, safer closings. Expect cleaner files, less fraud risk, and lower costs.

Benutech, a leading real estate technology solutions provider, has launched ClientVerify.ai, a workflow software that fully digitizes documentation validation and compliance protocols to bring greater speed and accuracy to real estate transactions.

The U.S. mortgage industry is undergoing a seismic shift as nonbank lenders and fintechs redefine credit access, underwriting, and borrower engagement.

Shopping for mortgage rates can save borrowers a lot of money — $222 a month on average, according to a June report from LendingTree. But there’s a trick to browsing the field for the best rate.

Shopping for mortgage rates can save borrowers a lot of money – $222 a month on average, according to a June report from LendingTree. But there’s a trick to browsing the field for the best rate.

Benutech has launched Daily Lead Alerts, a new feature inside its flagship Title Toolbox platform that is designed to alert real estate agents to listing opportunities the moment they occur.

Benutech is expanding its Title Toolbox platform offerings with the introduction of Daily Lead Alerts. The new feature aims to notify agents of new listing opportunities as they occur in real time — all within a three-mile radius set by the agent themselves.

Benutech's latest HOA Lien Tracker finds that liens against owners for unpaid dues are increasing at an alarming rate in super-lien states where the liens are considered secured debt that sometimes take precedence over a primary mortgage.

Benutech, a real estate technology solutions provider, has launched PortfolioShield, a lien monitoring system designed to help mortgage lenders and servicers mitigate risk.

Benutech has launched PortfolioShield, a lien monitoring system designed to help mortgage lenders and servicers mitigate risk.

The award honors tech companies whose solutions provide a clear and tangible benefit to mortgage lenders.

Benutech is now the leading tech provider for title agencies thanks to the widespread adoption of Title Toolbox.

Through its flagship products, Benutech offers clients the ability to leverage its database to grow their client lists and enhance workflow efficiencies.

COSTA MESA, Calif. - May 18, 2020 -  Benutech, Inc., creator of Title Toolbox, a "one stop shop" software tool which provides data and property specific marketing information to Title Companies and Real Estate Professionals releases the New Marketing Property Profile Report.

(For reference: https://www.inc.com/profile/benutech) Benutech ranked No. 3232 on Inc. Magazine’s 37th annual Inc. 5000 list of the nation’s fastest-growing private companies.

ReboConnect's integration with Wise Agent CRM allows subscribers instant access to all current property info as a member benefit.

Real Estate research and data system Title Toolbox is the 1st in the industry to utilize Amazon's Alexa Voice Service (AVS) to deliver property profile data.

ReboConnect `Scholarship Program` eases the struggle for affordable real estate data needed by today`s RETech Entrepreneurs.

Benutech is once again named to HousingWire’s Tech100 List of leading tech providers for the housing industry.

ReboGateway/Tract Utility Tool proves to be an award winning valuable member benefit for the Miami Association of REALTORS®

Benutech, creator of lead generation software ReboGateway, is again recognized in HousingWire’s annual leading technology innovators list

Real Estate research and data system Title Toolbox 2.0 packs a powerful punch with its new features!

Costa Mesa, CA – January 12, 2016 – Benutech, Inc., creator of ReboGateway, a lead generation software solution for Real Estate professionals, announces they have added 4 new innovative le” for “Benutech has added four new innovative lead types to the ReboGateway software.