In this episode, Tony Stern sits down with attorney Jeff Harrington of Harrington Legal Alliance to unpack a growing problem that most foreclosure investors, HOA buyers, and even real estate attorneys do not yet fully understand: HUD reverse mortgage foreclosures. Thanks to the federal Single Family Mortgage Foreclosure Act, HUD can pursue a quick, non-judicial foreclosure even here in Florida, a judicial foreclosure state, with nothing more than a single letter and a date a few weeks out. No lawsuit, no court supervision, no chance to question the numbers. Jeff explains how these reverse mortgages create hidden paramount liens that catch successful bidders off guard at HOA and condo association auctions, why HUD’s habit of delaying the recording of its deed for years raises serious fairness and transparency concerns, and how the payoff amounts being demanded may not hold up to scrutiny. He also walks through a key argument at the heart of his litigation: if HUD foreclosed and became the owner of record before a later association foreclosure, that bidder may actually hold title free and clear. Whether you invest in foreclosures, tax deeds, or distressed property anywhere in Florida, this conversation is an eye-opener on why diligence and a thorough title report matter more than ever. This is part one of a two-part discussion, with the next episode going deeper into merger doctrine, equitable ownership, and why this issue could grow into much broader litigation.