Thats very difficult to tell, but there is help now Florida Legal services is offering assistance to Florida residents who are facing forclosure.
their number is 866-607-2187
Maybe this is how they did it.
Hope this helps.
I've heard of banks putting off foreclosure for many reasons, he could have been in negotiations and changed direction many times etc... Who knows? Did you ask him how he did it? Are you in preforeclosure? Congress and Senate just passed a bill to possible help you, it needs to be conference then off to the President to sign, and he stated he will. Check out my website for who we are and call if you need more info.