If the bank doesn't foreclose, there will not be a recorded record of foreclosure, HOWEVER, if the brother/son tries to get a mortgage, his credit report will show these mortgage lates that will be interpreted by the underwriters as a foreclosure, even though he hasn't "officially" gone through the foreclosure process.
In any event, unfortunately, his credit is in the shredder!
All the best,
Roswell Moore, CMPS
Certified Mortgage Planner
We are a Direct Lender, Mortgage Bank where we originate, process, underwrite and fund, in-house, FHA, 203(k), VA, USDA, Jumbo, Conventional, loans to Canadians, Australians & other Foreign Nationals, on time. NMLS ID 263779 | AZ BK 0903725