Thank you for your question.
1.- If you are asking and you are the owner. You will know if you are in the process of foreclosure if have not made your mortgage payments. First your bank will send you notices, offer you to work with you do a loan modification to stay in it and they if you do not hear from you and you are late for a couple of months they put a notice at the Court initiating the foreclosure procedure.
Please look at your past mortgage statements or ask whoever does the payments and you will see if you are late and how long.
2.- If you are a tenant. You may have to ask the Landlord directly specially if some notices arrive at your rental home.
There is a process call short sale to avoid having your home foreclosured without the tremendous dent in your credit selling it before the bank foreclose on you. Call or contact me and I can explain further. 609-313-8518 or firstname.lastname@example.org
Good luck whatever you decide to do.
Ines De La Cruz, CRS, ABR
Visit http://www.inesdelacruz.com to view all the homes in South Jersey.