According to S. 896, (enacted as Public Law 111-22) passed and signed into law on May 20, 2009, your lease may be valid if it was executed before the owner received a notice of default from the lender. Otherwise, you may be given a 90 day eviction notice. Most lenders will offer you cash-for-keys, meaning that they will pay you to move out and leave the property in broomswept condition.