If the court grants summary judgment for the lender or you lose at trial, the judge will enter a judgment and order your home sold at auction. Once a house is sold in Pennsylvania, there is no right of redemption, and a deficiency judgement may be used against the borrower.In Pennsylvania, a property lien can be used to collect a court judgment. Here's how it works. A "deficiency judgment" is a money judgment for the difference between the foreclosure sale price and the total mortgage debt. Pennsylvania law allows a foreclosing bank to go after a foreclosed borrower for a deficiency judgment, but not as part of the foreclosure suit. The lender is required to bring action for deficiency judgment within 6 months of the foreclosure sale. To obtain a judgment lien, you must first record the judgment with the court of common pleas in the county where the debtor owns property. Pennsylvania law allows a foreclosing bank to go after a foreclosed borrower for a deficiency judgment, but not as part of the foreclosure suit. A title search on the property is necessary, and the foreclosure auction must be advertised in the newspaper.