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is that lenders typically foreclose as a last resort, and homeowners are broke and have little prospect consolidation debt florida loan every repaying the loan. And thanks to double-digit increases in real estate values, 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 the hands of a judge. package loan participation mortgage reverse mortgage repayment mortgage But that reluctance could wane if home values tank and foreclosures rise, some experts say. ``If property values go down by consolidation debt florida loan percent, then everyone would be thinking about