Does a lender have authority to foreclose on a defaulting homeowner when it fails to meet the conditions precedent for foreclosure contained in the trust deed?

Facts: A homeowner obtains a mortgage secured by a trust deed on their home. The trust deed specifies conditions required by the National Housing Act (NHA) that the lender is to fulfill before foreclosing on a homeowner in default, including a meeting with the homeowner to discuss foreclosure alternatives and loan modifications. The homeowner later…