http://www.realtytrac.com/real-estate-guides/foreclosure-laws/arizona-foreclosure-laws/
^Foreclosure laws in Arizona.^
Her condo was basically empty for all we know for 10 months, she could have been sub-letting. If someone was living there, it may have paid her monthly loan on the condo. This may have been a wise investment on her part. My brother had bought, remodeled, and sold 2 homes (Tempe and Prescott) by the time he was 30. It fast tracked him to a fantastic credit rating. AF had been exposed to the boom and bust of the real estate market, Arizona was one of the last States to recover, "Buyer's Market".
The beneficiary is the mortgage company. Unless you, as a single person, pay cash on the barrel, banks and lending companies basically hold the deed until the property is paid off.
If AF had put another name on the loan and mortgage paperwork, THAT person (Successor Trustee) would be the responsible payee, unless there was "Mortgage Life Insurance" in which the mortgage would be paid off by the insurance company, the Successor Trustee being the beneficiary.
Jason Sherman was contracted by Green Tree to represent their interests in the condo. Someone from AF's family or a representative may have contacted the mortgage company. Quite possibly the SPD did when they were looking at her financials.
AF just doesn't seem the type to allow an investment to slip away...........going back to the docs to check out some other things.