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This does not necessarily occur after one or more payments are not met but for logistical reasons may occur after a loan is in substantial default â sometimes six months or more past due. This is known as the redemption period. The foreclosure process does not move forward for a minimum of 60 days.
You own it until that day. If you stay after the foreclosure date, it will take the bank 30 days to evict you. Do not do this. If you have a foreclosure AND an eviction on your record, you won't be able to rent an apartment in the future.