I suggest that you consult with a real estate attorney to discuss the foreclosure of your property and payments that you have been making on it to make sure that you are not making payments for something that you are not required to do.If the loan was the original loan (purchase money) that was foreclosed upon and/or a non-judicial versus judicial foreclosure proceeding was utilized, you might not be obligated to pay any deficiency on the loan under your state's antideficiency laws.