HML's and defaults to them

I have a question about how this works. You always hear a HML is secured by the property. Well, how do they actually go about that if someone defaults on them? Do they have to follow the normal foreclosure process (which can be long and expensive in some states)? Can they can just take posession based on the terms of the loan? What makes a HML different from a mortgage in this regards or are they the same?

I’m really curious what tools they use to protect their assets. I think I could use the same tools for what I’m trying to do.