if it is in an HOA, the foreclosure bank is not on the tab for dues for the remainder of the calander year. And if there was a lien for unpaid dues, that lien is wiped out by the foreclosure.

I am not certain that Congress passed the legislation which would allow a bank to lease reo houses. There had been talk about leasing, prior to foreclosure, a house to the owner for a period of time after the bank acquired title. That would not apply in this case.

And, it may take some months for the bank to gain possession of the property and remove Mr. Berger from occupancy of the property.