Which of the following statements is correct?

a. The buyer may seek a deficiency judgment if the proceeds from the foreclosure sale were in excess of the mortgage

b. The lender may seek a deficiency judgment if the proceeds from the foreclosure sale were less than the mortgage

c. The lender may exercise their right of redemption when the buyer is in default on the mortgage

d. The buyer may avoid a deficiency judgment by requesting that the property be sold for no less than the outstanding mortgage.