Nervous is correct. If it becomes REO, they will work to evict you, however,most prefer to work with you in cooperation. Sometimes there is a cash for keys program whereby they pay you $1000 or so to leave the property promptly. I am not sure how long you would have if the property was sold at auction...you can call the sheriff's office to find out. That number should be on the foreclosure papers you received. In any event, it would most likely be less than 30 days.