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I want to purchase the townhouse I'm currently renting however my landlord/the homeowner doesn't want to do a short sale. The bank has yet to foreclose but the HOA has. The landlord says the bank is piggy backing off the HOA foreclosure and that's why they haven't started the mortgage foreclosure. Doesn't the bank still have to file a foreclosure and do a sheriff sale? I was hoping to get the extra 6 month redemption period to try and figure out how to purchase the property without having to move out then move back in after the bank puts it on the market.