Josie Cohen borrowed money from Second Bank and Trust to buy her home. She gave Second Bank a mortgage

on the home. Josie loses her job and is unable to make the payments on the mortgage. Second Bank gives Josie

notice that the delinquent payments must be paid by July 1 or the home will be foreclosed. Josie does not make

the payments and Second Bank starts foreclosure proceedings. Josie obtains a loan from her aunt in an amount

sufficient to pay off entirely the debt owed to Second Bank. Josie tenders the full amount to Second Bank, but

Second Bank refuses to accept the money. Second Bank says that Josie was too late to stop the foreclosure.

Can Josie require Second Bank to accept payment of its loan in full?