You can't transfer clean title unless you pay off the loan, which comes due when you sell the home; nobody will insure title if you can't clear the loan, so it's highly unlike you can sell, since buyers will not buy, and their lender not extend a loan, without clean title. Even if it slipped through the cracks and a sale went through, the 2nd HELOC lender could then foreclose if the loan is not paid and the buyer would sue you.