Generally any other loans/liens will also stay with the property as the hoa typically does not name them as defendants, there is no need to.The “super lien” designation has for hoa liens doesn’t mean they are superior to a mtg....it simply means they survive a mtg foreclosure.

I guess we accidentally did some of both... downsized significantly and moved into a van so we could quit our jobs and go on the trip of a lifetime, but then realized we never wanted to go back to work and had to figure out how to survive while we waited for the passive income to grow.Don't get me wrong... 

@Dean Harris  Thanks!

@Christopher Hill @Theresa Harris @Jair Esquivel thank you all these information is very helpful cause I’m so lost to all this real estate stuff. 

I understand charts and Harry S.

@Theresa Harris yea or it could be due to slowness in processing the requests.

Your real concern seem to be whether the lien will survive the foreclosure and I believe it won't unless the statue expressly says something about super-lien status of condo/hoa dues like it does in MD.

Harris pending on the state and lending institution yes it can be done in my state of Connecticut I had to do a new application and a new process but it’s worth it if you A balance on the old HELOC when you receive the new HELOC amount then they will pay off the balance from the new HELOC and then you’ll receive the difference well worth it Hope this helps

Awesome advice @Harry Arnold.

You may have had a lot of Short Term properties in Tampa for the last 20 years, but, the only way you survived through the 2008 to 2010 Collapse in the Economy with Buy and Hold Rentals or Spec Houses was to own them outright or been able to sell at the the beginning of the downtrend.