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severely damaged by an earthquake, mudslide or other natural disaster -- and they try to hand the keys back to the lender. As things now stand, lenders rarely seek judicial foreclosures first call mortgage cases involving residential real estate. The obvious practical reason is that lenders typically foreclose as a last resort, and homeowners are broke and have little prospect of every repaying the loan. And thanks to double-digit increases in real estate first call mortgage homes generally fetch enough to cover the mortgage anyway. In addition, lenders are hesitant to seek judicial foreclosures because they're time-consuming, expensive and ultimately leave the outcome in first call mortgage hands of a judge. package loan participation mortgage reverse mortgage repayment mortgage But that reluctance