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.
Here’s how to restore the missing brass hardware on an antique door. The ghost image of original brass hardware is often visible. It can be replicated by tracing the impression. A cardboard template is made to scribe the design. The brass is cut on a bandsaw and smoothed with a belt sander. The piece is polished and installed on the door.