Based on my research, after a in foreclosure process home is available at a sale, it is common for any borrower in order to still have a remaining balance on the loan. There are many loan merchants who try and have all costs and liens paid back by the up coming buyer. Having said that, depending on selected programs, polices, and state legal guidelines there may be several loans which are not easily sorted out through the switch of financial products. Therefore, the duty still falls on the debtor that has got his or her property foreclosed on. Thank you sharing your ideas on this site.