Can the bank kick me out?

Real Estate Agent with The Pitcher Group

Save My Utah HomeThe bank can’t make you leave your home until the foreclosure process is fully complete.  You are still the official homeowner until the lender has completed all of the necessary legal steps of the foreclosure process.  However, if you have already ditched the home and it becomes vacant, the bank has the legal right to secure the property.

It is unwise to leave the property vacated.  If the bank discovers it is left empty or attempts to confirm that someone still lives in it, they may send a bank official to check on the property.  They might have reason to suspect abandonment, such as calls left unanswered or inspections in which there never seemed to be a person there.  If this occurs, they are likely to change the locks and do any necessary winterizing to protect the home from potential damage or vandalism.

Yet until the property is officially foreclosed upon, as the homeowner you can request an extra key for the newly installed locks to have access to YOUR home.  It is still yours until the auction date, and even 14 – 45 days thereafter.

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Comments (3)

Jenifer Lower
Bozeman Montana Real Estate .net - Bozeman, MT
Your Dream. Our Passion.

Thank you for posting, way too many homeowners haven't the slightest clue and I think sometimes the banks take advantage of that fact.

Oct 12, 2011 01:10 PM
Daniel H. Fisher (704) 617-3544 - Charlotte, NC
MCRP - Charlotte Real Estate, NC or SC

One of the advantages of going through a short sale in NC is that there is often an attorney negotiating the short sale and advising the Seller of their rights and options. But there are also great resources at, and 

Oct 12, 2011 05:24 PM
James A. Browning
Browning Real Estate School/REO Institute - International, IT
MRE REOCertified(R) SSCertified

Thank you for sharing your blog; we need Real estate Professionals to share their comments and information regarding their markets and experiences. Thanks again from beautiful Colorado

Jun 09, 2012 02:32 AM