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Additionally, the process of foreclosures is affected by the ability for delinquent homeowners to communicate and work with lenders. Historically, staying in contact could delay eviction or foreclosure, sometimes allowing homeowners to stay in their homes for years — a practice that has raised questions about the ethics of mortgage forbearance and the role of government-backed institutions like Fannie Mae and Freddie Mac. These entities often pay property taxes and insurance upfront, ensuring the continued upkeep of assets, even if owners are delinquent.