 I have money for a down pymt on a home, but my credit is awful. Is there help for me? |
| I am in SC and need to purchase at least 3 acres and a home, but my credit is trashed. Are there people that will assist with getting approved for a home purchase?... |
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 If you live in a townhome, can you hear your neighbors? |
Additional Details
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 So, in pounds and pence, what does this new Interest Rate increase mean to your mortgage? |
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 What do I do if the landlord intentionally isn't paying the mortgage? |
| I sent a letter to my landlord the other day asking for a copy of a mortgage statement. I live in Sacramento where there are a good amount of foreclosures. We know someone who was renting and ... |
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| My husband and I are trying to rent out our property in Gary, Indiana after evicting the renter for non-payment of rent. When we went to the electric company to get the lights and gas turned on, we ... |
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| there that will help us with a home loan with poor credit? I need to move out by Febuary or March. And I already have a house we want to buy from a private owner. But, the owner can't help us ... |
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naughty_kitten1982 | Why do you have to pay for info on forclosed homes? |
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NONAME
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Most foreclosures are done by advertisement. Meaning they list it in certain, usually financial newspapers.
Someone has taken the time (or paid the money) for these lists, and subscriptions, and compiled all the information.
You can go get it yourself by figuring out which papers they are advertised in, and going to the library to read them for free. Or you can pay for dozens or hundreds of subscriptions, depending on how much area you are interested in.
Or you pay the people that do all the work for you, and get all the data to you in a nice format you can do mailings to, etc... |
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J g
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One easy way to see info on the houses is to check your local banks on their web sites for foreclosure sales. |
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A_Kansan
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Yes, you have to pay for the list, if you want it from that particular provider.
Now if you want to find foreclosed properties, there are other ways to go.
If you city is large enough, three is often a legal publication that lists upcoming foreclosures, and yes, you have to pay for it. Usually it is a subscription and is published for lawyers, so it can cost some.
You can go by the banks and ask for the REO or ORE list. (Real Estate Owned, or Owned Real Estate, depending on your particular bank) They may or may not give you one, if they don't believe you are serious.
I don't know where you live, but you can find government foreclosed properties by going to http://www.hud.gov or if you live in the middle of the US go to http://www.firstpreston.com. Both have listings for government foreclosures. First Preston handles HUD properties in the middle US.
HUD's government site has listings for other government agencies, VA FHA, etc. but these are often much fewer in number.
Keep in mind. HUD doesn't loan money it only guarantees the loan. The bank will keep the property if they believe they can sell it for more than what they have in it. If the condition is less than the value of the loan, they will turn it over to the government.
Therein lies a clue. Most repossessed houses are in rough condition. You will have to spend more money to bring them up to a livable condition. There may be city code violations that you have to pay for too, before you can even begin to do repairs.
Now here is a trick. Take a look at the listing price. They will often have the market value listed as well. Ignore that. Usually it is gleaned from the property tax valuation and doesn't reflect the actual conditions of the property.
If you are going to bid, offer the bid as an owner occupant. You can often bid 30% to 40% below listing and still win the bid.
If you are purchasing as an investor, you can't bid owner/occupant, but you can still offer much less than the asking price. Keep in mind, others are bidding too.
Good Luck. |
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mortgage help
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these guys will help without you paying. They hope to do your financing in return...http://www.choicefinance.net/foreclosure-listings.htm |
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Mike S
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That way the company that provides the information makes a profit. |
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NH Realtor
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You don't. I list/sell forclosures homes. Ask a local real estate agent. Check the local newpapers. The auction will be announced in the local newspaper then if it does not sell at auction it goes to a local realtor that handles forclosures. |
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samiam246
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You don't have to all the time, get with a Realtor, many sites cooperate with Realtors, but not with the general public. |
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nc_mommy_21
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You dont these online services that tell you they will give the local forecloser list are mostly scams all you have to do is call your local court house or go to the court house and ask them for a list of the lastest foreclosers and the area u are looking into and they will give you the owner name and number,property location or you can go to the bank and ask them for the info but the banks just have the list of the proertys that are under loan at there bank.
Internet is good for alot of things but its also full of scams. |
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Bestbank Real Estate
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Who said you have to pay? You can go to: http://www.jennic-cityside.com/sitemap/index.cfm and search any area in the USA. That is the company who list FHA foreclosures. You cannot bid on a FHA foreclosure without a registered licensed real estate agent representing you but don't despair, agents are paid by FHA not by you. You can also go to your local court house and look in public records for foreclosure files. If you smile a lot and ask nicely making sure they know it is your first time there they are usually very helpful showing you how and where to look. What is so great about the court house records is the houses have not yet gone to foreclosure. This means you can contact the owner yourself and see if they are willing to sell you the house outright before foreclosure. Be prepared to meet people who are not very friendly since they don't want to sell. It takes trial and error and a lot of patience to work with these but it is well worth the effort.
Good luck,
Michael |
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