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D is corrent. A judicial foreclosure sale of the debtor’s real property is conducted generally at the direction of a court official (county sheriff) and confirmed by the court. A court will not refuse to confirm a sale merely because a higher price might have been received at a later time. The court will refuse to confirm a sale if the price is so low as to raise a presumption of unfairness or lack of protection for the mortgagor.
A is incorrect. A mortgagor is entitled to any excess resulting from a judicial foreclosure sale after all costs and expenses have been paid along with the amount outstanding on the mortgage note.
B is incorrect. In a majority of states, a mortgagor has a statutory right of redemption following a foreclosure sale for a stipulated period of time. Under both an equity and a statutory redemption, the mortgagor must pay the sales price plus reasonable costs and expenses to redeem the property.
C is incorrect. A mortgagor has an equitable right to redeem the property up until foreclosure on the property.