If the lender forecloses and there are past-due Homeowner Association (HOA) dues, are they wiped out also?

In most cases the HOA is not a pre-lien like property taxes. This means that when you stop paying the HOA dues and they file a lien, it is typically junior to your Deed of Trust. If the lender forecloses then the HOA lien is wiped out. After the foreclosure, the lender/investor is only responsible for the HOA dues from the date of the foreclosure sale. The HOA can pursue the prior owner for payment of the past due amounts. Many of these associations are suffering financial hardship due to the number of foreclosures and they are getting more aggressive about pursuing collection.