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Based on my observation, after a foreclosures home is available at a bidding, it is common to the borrower to still have the remaining unpaid debt on the bank loan. There are many creditors who make an effort to have all costs and liens paid back by the future buyer. Even so, depending on specified programs, restrictions, and state laws there may be some loans that aren't easily handled through the transfer of loans. Therefore, the duty still falls on the lender that has received his or her property in foreclosure process. Thank you sharing your ideas on this web site.