90 Day Pre-foreclosure Notice. Lender must mail you information on getting help at least 90 days before starting a court case.The mortgage note specifies that the borrower must repay the noteholder, which may differ from the original lender if the loan is sold. Visit the Mortgage Foreclosure Prevention webpage to download an application or fill out the online Advising Intake Form. Borrowers have a right to occupy their properties until the foreclosure process is complete. Doing so enables them to avoid the costs of mortgage, tax and home. Evidence of APPS registration: After the foreclosure sale, this is certification that must be submitted to the Realty.