Best of luck in your endeavors Junior

But so you know, property taxes Always survive, HOA's may or may not, and upon differing conditions, gov't liens may or may not, junior private debts/mortgages get wiped out if properly served.

However, the plaintiff's lien would be in junior position, meaning the lender gets paid first.  

Here are some pre-funding things to review:AppraisalBorrower applicationBorrower disclosures provided Credit reportIncome documentation Underlying (senior) mortgages (if you will be junior)PrelimLegal documents concerning title or clearances Here are some post-closing items to get: Hazard Insurance naming your vesting as loss payableTitle policy with correct bene vesting and lien positionAny inspection reports due concerning repairs or construction projectsServicer info, including hello letter to borrowerOriginal note and recorded TD, if that is your arrangement with brokerBill Gulley might chime in here and could have a list as long as my arm.

Now, the post that I made which you had quoted was for when a judicial tax sale was being conducted by the sheriff, so you were at that point being wiped being junior to the tax position - so it's not the same as when you foreclose as the senior lien holder.

If the HOA forecloses, is it the same as any other junior lien foreclosing? 

Do your due diligence.Understand the difference between  a 1st and 2nd mortgages, junior liens and redemption rights.

Hello,I'm currently doing due diligence on a non-performing junior lien that has gone unpaid for about 5 years.

Junior?

I can see that your last sentence refers to junior liens and contacting the homeowner...there was a 2nd mtg of 150K that was wiped away at trustees sale.