California Lien - ing

No, not California Deamin'... That's the Mamas and the Papas. California Lien -ing Time and time again I am asked which liens get paid off first.  I'm not smart enough to know all this from rote so I went to my local title company for answers.  Want to play a game? Number the following from 1 to 7 as to who get's paid first. __  First Mortgage Loan __  CC & R's (Homeowner Associations) __  Easements __  Second Mortgage Loan __  Property Taxes __  Third Mortgage Loan __  Mechanics Lien  Here's the answers.  I'll do this in the order in which they get paid.  You may be surprised...    #1  Property Taxes always get paid first.  They are the Numero Uno.  Number 1a would be supplemental taxes.  Although I think they fall under property taxes, the title company specifically mentioned they get paid second.  I'm lumping them into the Property Taxes. #2   CC & R's or what is called Covenants, Conditions and Restrictions.   #3  Easements, or the right to use a portion of your property (light poles, gas meters, walkways, etc.).   How an easement creates a balance due - Not sure, but it's the third on the  list. #4  Finally it's time to pay your First Mortgage.  This is the one that surprised me.  I knew Property taxes were first but never thought the first mortgage would be fourth in line. #5 As you might guess is for your Second Mortgage. #6  Do you have a Third Mortgage?  Really?  They'd get paid only after the above were satisfied. #7  The poor mechanic.  Not your car mechanic.  Chances are it's the contractor that did your kitchen remodel.  He placed what is called a Mechanics Lien on the property just in case you forgot to send the check.  you did send the check didn't you?   So how'd you do?  Probably the same as I did.  Well, now we are both just a little bit smarter.

All the leaves are brown And the sky is gray I've been for a walk On a winter's day I'd be safe and warm If I was in L.A. California dreamin' On such a winter's day Stopped into a church I passed along the way Oh, I got down on my knees And I pretend to pray You know the preacher likes the cold He knows I'm gonna stay California dreamin' On such a winter's day All the leaves are brown And the sky is gray I've been for a walk On a winter's day If I didnt tell her I could leave today California dreamin' On such a winter's day (California dreamin') On such a winter's day (California dreamin') On such a winter's day