I've talked to my mortgage holder about this and he said I could save about $40 a month doing the refinance, with no out of pocket costs, so it's definitely something I want to pursue.

Is the county recognized as the first lien holder and city as the second lien hold since they are both forms of taxes, just different bodies?

I'm in somewhat of a unique situation - I'm currently looking to make an investment in a residential property as a permanent resident / green card holder.

As long as the lien holder was served, I believe it gets divested.

We are not US residents or green card holders.

I sent him a greeting card with a $50 Visa gift card.Oh, and anytime I send a card with gift card, I put it all in a package.

Woopie we were 4 th in line and the first lein holder was foreclosing so we got nothing .  

If they don't, then your whole deal is blown while you try to go through some lengthy process to find out who the note holder is.Seems counterproductive.

I was just pointing out to the poster the concept of investing inside an SD-IRA; no withdrawal is required to invest as the holder can direct the custodian to make permitted investments. 

The use of this would be to help a buyer with continue with a purchase if he did not have enough of a down payment to meet the senior lien holders requirements for funding.If the buyer's first position mortgagee requires an LTV of 75% but the buyer only has 10% for a down payment, the buyer asks the seller for a purchase money mortgage of 15% to make up the difference.