Judicial foreclosure action is a proceeding in which a mortgagee, a trustee or another lienholder on property requests a court-supervised sale of the property to cover the unpaid balance of a delinquent debt. Nonjudicial foreclosure is the process of selling real property under a power of sale in a mortgage or deed of trust that is in default. In such a foreclosure, however, the lender is unable to obtain a deficiency judgment, which makes some title insurance companies reluctant to issue a policy.
Install additional attic insulation at right angles to the previous layer. You don’t have to use the same type of insulation – it’s fine to use batts or blankets over loose-fill, or vice versa. Upgrading from three inches to 12 inches can cut heating costs by 20 percent, and cooling costs by 10 percent.