Which situation typically leads to foreclosure?

A borrower stopping their loan payments is a significant factor that typically leads to foreclosure. Foreclosure occurs when a borrower defaults on their mortgage, failing to meet the repayment terms. This situation not only affects the lender due to the loss of expected payments, but it also places the property at risk of being sold to recover the outstanding debt.

In the context of the provided choices, it's important to note that maintaining a property, significant appreciation in value, or difficulties in selling a property do not directly result in foreclosure. Keeping a property well-maintained, for instance, can actually help retain its value and make it easier to sell. Significant appreciation in value can serve as financial security for the borrower, as it increases equity. The inability to find a buyer may lead to other challenges but does not inherently lead to foreclosure unless it results in financial distress that affects the borrower's ability to make loan payments. Thus, the key factor leading to foreclosure is when loan payments cease.