I've seen this many times:
Understand that Realtors do not give LEGAL advice, and you need to check with a Lawyer:
The Key is whether the actuall did file a LIEN on the House; the only way to be sure is to contact the Title Company: They should have a record of all Liens.
Most HOAs will not file a lien, because they know that it will be wiped out in a Foreclosure. As a private debt, they can sue you for everything up to another owner, (not the Bank,) taking possession.
And they will!
You will need a Lawyer, I repeat!