Nonjudicial foreclosure (trustee's sale) by an association is subject to an owner's recorded homestead. Homestead exemptions protect an owner's equity in the following amounts: $50,000 for an individual, $75,000 for a family, or $150,000 for a person who is a senior or disabled. Code Civ. Proc. §704.730.

A homestead of record is a document that includes the names of the property owners, the description of the property, and a statement that the property is the principal dwelling of the owner and that the owner or spouse resides in the property. The declaration must be signed before a notary public and recorded with the county recorder. Code Civ. Proc. §§704.920-704.930. Without a recorded homestead declaration, homeowners do not get the benefit of the exemption in nonjudicial foreclosures.