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Foreclosure Forms
Prepare court documents for foreclosure proceedings with these template Foreclosure Forms.
There are two types of foreclosures: judicial and non-judicial. A judicial foreclosure is a process that takes place through the court system. Once the court has confirmed that the mortgagor is in default and the amount of the arrears, the property can be sold by the mortgagee to attempt to recover the amount still owing.
A non-judicial foreclosure is one that does not include court proceedings because the borrower does not have title to the property. Title to the property is transferred to the lender or a third party trustee as long as there is an outstanding balance on the mortgage loan. If the borrower defaults under the loan or the note, the lender or trustee can take possession and sell the property to pay off the loan.
In either case, if the property sells for less than the outstanding balance, the mortgagor will be responsible for paying the shortfall.

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