Updated almost 5 years ago on .
How does HOA super lien foreclosure work?
Hi BiggerPockets Experts, could you share how does HOA super lien work? Florida is HOA super lien state, does it mean if HOA foreclosed a house then 1st mortgage will be wiped out? I purchased a HOA foreclosed house through county auction in May 2021 in Florida, county transferred title to me and recorded in June 2021, when I was doing Due Diligence there's no other liens under previous owner besides HOA lien but there were 3 loans recorded when previous owner purchased home in 2013, one was USDA loan, one was FL housing finance corporation and one was through county, this house was first time home buyer assisted with government, my question is: Are these loans wiped out through HOA foreclosure since FL is HOA super lien state? Who will responsible for these loans balance? Previous owner or me? Why lender USDA didn't take any action through HOA foreclosure if previous owner stopped to pay their mortgage for a while?
Thanks a lot!