DSNews -- Robert Finlay, right, Finlay & Zak; Joan C. Spaeder-Younkin, Wright, Finlay & Zak\
The Court of Appeal for the Second Appellate District in California recently confirmed that a loan servicer can remedy HOBR violations prior to the actual foreclosure sale, avoiding having to restart the entire foreclosure, by reviewing the borrower for a loan modification prior to the foreclosure sale.