Thursday, April 5, 2012

Prescott Arizona Real Estate Foreclosures :: Prescott Homes for ...

Prescott Arizona Real Estate Foreclosures

Foreclosure is a type of legal process where the lender tries to get the remaining amount of a loan from a borrower who hasn?t been making payments to the lender of the money by making the asset used as the collateral for the loan be sold.

In most cases a lender gets a security interest from someone who mortgages or pledges an asset like a piece of property to secure the loan. If the borrower stops making payment and the lender tries to get the property back, courts of equity can give the borrower the ?equitable right of redemption? if the debt is repaid.

Prescott Arizona Real Estate Foreclosures

The foreclosure process as it exists in relation to home loans is a bank, a credit union or other secured creditor selling real property after the borrower has neglected to stay on course with a deal between the borrower and the lender called a ?mortgage? or ?deed of trust?.

Most often, the break down of the mortgage is a default in making payments on a promissory note, secured on the home by a lien.

When the foreclosure is complete, the lender can sell the house and keep the money made to pay off its mortgage and any legal costs, people usually refer to this series of events by stating that ?the lender has foreclosed its mortgage or lien?.

Prescott Arizona Real Estate Foreclosures

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