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The lender then has thirty 30 days to record a certificate of foreclosure, which must contain a description of the property, the foreclosure proceedings, the mortgage and the date the title became absolute.
With a decree of sale, the court: 1 establishes the time and manner of the sale; 2 appoints a committee to sell the property; and 3 appoints three appraisers to determine the value of the property.
The borrower may stop the foreclosure proceedings at any time before the sale by paying the balance due on the mortgage.