If a borrower is delinquent in making timely mortgage payments to the loan servicer ( a bank or other financial firm ), the lender may take possession of the property, in a process called foreclosure. 如果借款人拖欠的及时偿还抵押贷款的贷款服务商(银行或其他金融公司),贷款人可接管财产,在这个过程被称为赎回。