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Keller Williams Realty
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Taxes constitute the highest liens. Mortgages are next. HOA liens are next and mechanic's liens and the like are usually the lowest.
Foreclosing a lien wipes out the claims of the lower lienholders. A tax foreclosure will wipe out everybody's claim including the mortgage company's. So, the mortgage company normally pays the real estate taxes to keep from having its lien wiped out.
If the mortgage is foreclosed, then the HOA claims and any mechanic's liens (for work done on the property) and your lien (if you can get a judgment against her) would be wiped out anyway. You might ask your friendly VP what the HOA is going to do about reimbursing you, since they brokered this deal with the owner other. I doubt they'll step up, but they might do something.
Because the HOA required that she change her front portion in order for us to do it, and they are the ones that said she would pay, wouldn't they at least be responsible to pay us for that front gate?