As a legal assistant working for an attorney specializing in foreclosure prevention.
I read a lot of cases. The cases that do not have a chance at winning are typically Pro Se. This is usually when the homeowner files the suit them selves.
I highly suggest that if the homeowner wants to save their home invest in an attorney who knows what they are doing. Who will go forward with necessary legal research. Who knows who to answer a demurrer.
Typically, when a pro se litigant gets demurred they don't file an answer. This can be bad for other litigants or precedent.
The reason it we have all of these cases that are losing but not on the merits only because the cases may not have been put together properly.
There are new cases that are finally gaining ground. In CA the courts are finally agreeing the the notice of default should probably by recorded before the note was assigned to the beneficiary not two years after.
I am not an attorney and this is not legal advice.
I highly suggest you speak with a local attorney in the state you live. Do not work with any one but a licensed attorney in the state that either you or your home is located!