Sheriff's deputies conduct foreclosure sales in an open bidding process. Sales are conducted weekdays at the advertised time.If you are faced with mortgage default or foreclosure, arm yourself with information, ask for help, and take decisive action to protect your interests. This fact sheet talks about foreclosure, what you can do, and what a mortgage company can and can't do. Learn how the Minnesota foreclosure process works, including preforeclosure steps, foreclosure procedures, and homeowner rights. The most commonly recorded documents are mortgages, deeds, assignments, releases and satisfactions. Preforeclosure Notices​​ In Minnesota, the lender has to give you the following notices before foreclosure starts. Learn how foreclosures work in Minnesota. This person must pass a credit check, and will be responsible with you for payment of your loan. 6. Complete the Self-certification Form.