If the judge grants the Motion for Order of Reference, a referee is appointed to compute the amount due to the lender. Once the referee’s report is done, the lender will make a motion for Judgement of Foreclosure and Sale, which asks the judge to give them an order allowing them to sell the property at auction.
If factual disputes remain from the borrower’s answer, a trial will be held to determine whether the borrower will prevail and the foreclosure will be dismissed, or whether the lender will be permitted to proceed with foreclosure.