“ According to my observation, after a in foreclosure home is available at a sale, it is common to the borrower to be able to still have a remaining unpaid debt on the mortgage. There are many loan companies who make an effort to have all charges and liens paid by the up coming buyer. On the other hand, depending on selected programs, legislation, and state laws and regulations there may be some loans that aren't easily sorted out through the transfer of loans. Therefore, the obligation still remains on the customer that has had his or her property in foreclosure process. Thank you for sharing your thinking on this site. ”