Zack Peyton Borrowed $398,000 from Fifth First Bank to Purchase

Zack Peyton borrowed $398,000 from Fifth First Bank to purchase a new home. Zack gave First Bank a mortgage on his home. The mortgage was recorded on January 3, 2020. Zack had made a down payment of $42,000. When Zack moved in, he purchased an in-ground swimming pool from Paddock Pools for $35,000. Zack paid Paddock $4,000 and Paddock financed the remaining amount for him, recording a mortgage for $29,000 on February 26, 2020. Zack needed window coverings, landscape, and some new furniture. Wells Fargo gave Zack a $150,000 home equity line of credit, secured by a mortgage on Zack's home for $150,000. Wells Fargo recorded the home equity credit line mortgage on February 1, 2020. Zack, because of a bonus at work, did not draw on the line of credit until June 10, 2021, using $25,000.
The economy went south somewhere around September 2021. The value of Zack's home dropped by almost 50%. Zack lost his job. He could no longer make his payments. Fifth First Bank served Zack with a notice of foreclosure on November 1, 2021.
-Suppose that Tommy Tonita purchased Zack's home at a foreclosure sale. Tommy paid the $220,000. Suppose Tommy moves into Zack's house and begins getting notices from Paddock and Wells Fargo about amounts due from Zack's period of ownership.

A) Tommy is required to pay those amounts because what he paid for the house did not satisfy what was due to all the creditors.
B) Tommy needs to sign a mortgage with these creditors to renew their mortgages in the property.
C) Tommy is not liable to these creditors for what Zack owed.
D) Paddock and Wells Fargo now have their right to foreclose on the property.