Non judicial foreclosure is foreclosure by what mechanism?

• A. Non judicial foreclosure is foreclosure by power of sale
• B. Court action with judge's order
• C. Mortgage on land preservation
• D. Deed in lieu of foreclosure

Answer: (A)

Nonjudicial foreclosure is foreclosure by power of sale. It uses a power of sale clause in a mortgage or deed of trust that lets a trustee sell the property after default without going through court. The process is carried out through notices and a trustee’s sale, with the buyer obtaining title by a trustee’s deed. This differs from judicial foreclosure, which requires court action and a judge’s order. A deed in lieu of foreclosure is just a voluntary transfer to avoid a sale, and a mortgage for land preservation isn’t the foreclosure mechanism.