Kathy is correct.
What I will add is in order to redeem the property, you are going to need enough money to meet the payoff figure. You won't be able to get a mortgage for any of this.
In addition, if you had any 2nd mortgages or equity loans on the property, you may have to settle those as well in order to be off the hook for any other liability.
If you are outside of the 6 month redemption period then you may be out of luck, however if it within that time frame then you have rights.
You may want to hire an attorney of your own to assist you with this process. Just so you have someone representing you on your side. It will cost some money, but this should ensure that you do it the proper way.