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According to my study, after a foreclosed home is available at an auction, it is common to the borrower in order to still have the remaining unpaid debt on the mortgage loan. There are many lenders who try to have all expenses and liens paid by the up coming buyer. Even so, depending on certain programs, rules, and state legal guidelines there may be some loans which are not easily handled through the switch of lending products. Therefore, the obligation still falls on the client that has got his or her property in foreclosure process. Thank you for sharing your opinions on this web site.