Zack Peyton Borrowed $398,000 from Fifth First Bank to Purchase

Zack Peyton borrowed $398,000 from Fifth First Bank to purchase a new home. Zack gave First Bank a mortgage on his home. The mortgage was recorded on January 3, 2020. Zack had made a down payment of $42,000. When Zack moved in, he purchased an in-ground swimming pool from Paddock Pools for $35,000. Zack paid Paddock $4,000 and Paddock financed the remaining amount for him, recording a mortgage for $29,000 on February 26, 2020. Zack needed window coverings, landscape, and some new furniture. Wells Fargo gave Zack a $150,000 home equity line of credit, secured by a mortgage on Zack's home for $150,000. Wells Fargo recorded the home equity credit line mortgage on February 1, 2020. Zack, because of a bonus at work, did not draw on the line of credit until June 10, 2021, using $25,000.
The economy went south somewhere around September 2021. The value of Zack's home dropped by almost 50%. Zack lost his job. He could no longer make his payments. Fifth First Bank served Zack with a notice of foreclosure on November 1, 2021.
-Suppose that Tommy Tonita purchased Zack's home at a foreclosure sale. Tommy paid the $220,000. Three months after Tommy bought Zack's house at the foreclosure sale Zack is able to find a job and received a signing bonus of $575,000. Zack wants his house back.

A) Because the sale has occurred and the transfer been made, Zack has no further rights in the property.
B) Zack can purchase the house from Tommy if he pays Tommy the sale price plus all the foreclosure expenses.
C) Zack can get his house back if he pays Fifth First, Paddock, and Wells Fargo the amounts due, plus interest, plus expenses.
D) Zack can get his house back if he pays the principal amounts due on all three loans.