judicial foreclosure司法取消抵押品贖回權
A judicial foreclosure is a court-ordered process that allows a lender to sell a property to recover a loan balance after a borrower defaults on their mortgage. The process is governed by the laws of the state where the property is located.
recourse追索權
The lender (or current loan owner) can get a deficiency judgment if you have a recourse loan. But if your mortgage loan is nonrecourse(無追索權), the lender can't get one
我們州是司法取消抵押品贖回權，也就是銀行必須通過司法程序奪回對抵押房屋的控製權，銀行奪回對抵押房屋的控製權沒有捷徑可走
美國的住宅貸款都是無追索權貸款。中國正相反，住宅貸款都是帶追索權貸款。
