What Is The Foreclosure Process?

Anyone know what really happens when a property goes to sale. Here is what I am guessing, can anyone validate:

Lender assign's a trustee.

property gets sold at auction

trustee pays liens against the property based on position.

Any remaining money goes to the past owner.

What if there is a medical lien, for example, that does not get paid off in the foreclosure sale. What becomes of the lien?

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