Its not just the house, sounds like they were living a life style they couldn't afford.

Every foreclosure has a story. If you pulled these people's credit you would probably see a car note or two, maybe a boat or bike note, and a ton on credit cards.

They also didn't tell you about the house, they could have bought it with no money down and sucked more than it is worth out with a refi.

__________________
1999 SL500
1969 280SE
2023 Ram 1500
2007 Tiara 3200