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A lender decides to foreclose on, or repossess, a property when the owner fails to pay the mortgage. Unfortunately, thousands of homes end up in foreclosure every year.

Many people lose their homes due to job loss, credit problems, divorce, unexpected expenses and economic instability.

Failure to pay property taxes may also cause a homeowner to lose their home. Trouble can also arise when owners neglect to pay local water bills and home insurance premiums.

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