“ Based on my observation, after a foreclosed home is offered at an auction, it is common with the borrower in order to still have any remaining unpaid debt on the mortgage loan. There are many financial institutions who try to have all fees and liens repaid by the subsequent buyer. Even so, depending on specified programs, polices, and state laws and regulations there may be a number of loans which aren't easily fixed through the transfer of financial products. Therefore, the responsibility still remains on the consumer that has obtained his or her property in foreclosure process. Thank you sharing your opinions on this website. ”