Dana,

Sorry to hear about your situation. Unfortunately it's true that you have to pay rent to the landlord if you are living there because until it forecloses, they are the landlord. If you have month to month lease then you can look for another property with a month notice to move, if you want to move.

After it forecloses, then the lender is the new owner if no one buys in auction. At that time, bank sends their representative to vacate and they may provide you some cash for keys to move out in a good condition. After forecloses, it all depends on the bank, how fast they move to vacate and re-sells that house.

Consult with an attorney also to find out the tenant rights on this situation, there might be something they can help you.