A non-Judicial Foreclosure is a procedure for selling real property that is subject to a lien, mortgage or other security interest. The purpose of a non-judicial foreclosure is the same as a judicial foreclosure. The difference is that a judge is not involved in the procedure. The foreclosing party must either be a condominium association, timeshare association or a mortgagee with a power of sale provision in the mortgage. The mortgagee or the association handles the duties of the commission including publishing notices of the auction, taking bids, and payment of the proceeds. As in a judicial foreclosure, the proceeds of the sale are used to pay the cost of the public sale, real property taxes, the money owed on the property and any liens and security interests. If there are any funds left, it is paid to the former owner of the property. Since there is no judge, a deficiency judgment is not available in a non-judicial foreclosure.