In Utah, there are three different kinds of foreclosures. They are trust deed foreclosure, mortgage foreclosure, and uniform real estate foreclosure.This page explains what a residential foreclosure is, the steps involved in the process, and where to get help. Learn about each step in a Utah foreclosure, from missing your first payment to a foreclosure sale. Find out what happens in a typical Utah foreclosure. The lender must file a notice of default in the county in which the property is located and with the defaulting borrower within three (3) months of the default. Form of quitclaim deed -- Effect. Section 14, Form of mortgage -- Effect. The mortgage note specifies that the borrower must repay the noteholder, which may differ from the original lender if the loan is sold. Ensure full compliance with state foreclosure laws.