This process began to drag on for a lot of months, because the couple had to compel the lender to answer questions and subpoena different witnesses to produce documents and knowledge about the loan. Similarly, if as a buyer you haven’t discovered the home you need inside a couple of months, it’s useful to keep your options open. When a homeowner turns into unable to sustain with the funds of their mortgage or house loan, that property enters the foreclosures process. When there is a Power of Sale clause in the mortgage, lenders will use the non-judicial foreclosure course of.