All the best,
Roswell Moore, CMPS
Certified Mortgage Planner
We are a Direct Lender, Mortgage Bank where we originate, process, underwrite, fund, AND SERVICE our loans, in-house, with FHA (starting at a 580 score AND still only 3.5% down), FHA Streamline loans (NO minimum credit score, NO appraisal required) Go Green rehab loans, HomePath, Investor Friendly (10 financed properties), VA, USDA, Jumbo, Conventional, plus, we allow Escrow HoldBacks!
But to answer your question...it all starts where the first betrayal occurred... with the bank.
Based on your experience I will be adding "contact HOA/Condo Association to verify payment status" to my pre-listing checklist and make it a monthly recurring task. Thanks for the heads up.
Sorry to hear about your situation. I only hope the seller can pay the HOA lien with the proceeds of the sale.