Homestead exemptions only apply if I want to foreclose on the debtor's property, and the homeowner is current on their mortgage debt. While we can foreclose on the house to collect a judgment to force the pay off in a forced sale scenario, a home that has a homestead exemption or has an unlimited homestead exemption won’t result in any money from the foreclosure. It is merely used to intimidate, publicly embarrass, and cause further creditor scrutiny on the debtor.