Mason,

I specialize in the transfer of REO properties from large banks. In my 20+ experience in this field I have generally found that the servicing lenders do not pay any of the outstanding HOA bills, condo fees, open water, open taxes, etc., UNTIL the property has been resold on the open market. 

In fact the bank is responsible for any back due fees that have been assessed from the date of sale (in the foreclosure case) to the date of settlement (in the outsale to the arms-length purchaser).  Now I am only referring to what I know to be so in Maryland. Other jurisdictions may have different rule. 

So this new ruling in Florida may not have the adverse affect on lenders that you are referring to.

As a matter of fact non-judicial foreclosures are allowed here in Maryland and I see them from time to time, but for the most part ours is a judicial foreclosure state.  It will be interesting to see how this plays out in Florida. 

Charlene