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In accordance with my research, after a foreclosures home is offered at a bidding, it is common for your borrower to still have some sort ofthat remaining balance on the mortgage loan. There are many financial institutions who try and have all charges and liens paid off by the future buyer. However, depending on specific programs, polices, and state laws and regulations there may be some loans which aren't easily settled through the shift of lending options. Therefore, the duty still rests on the client that has acquired his or her property foreclosed on. Many thanks sharing your thinking on this site.