Question: What is the best way to find foreclosure properties in my state (MD now, but also considering DE)?

Can I search online, and if so, is it free? The house would be a residence for me, I am not an investor at this time. I would not want to resell the house for a few years.

>

Answer: I have found that the best place to get a free list is http://www.yourforeclosuresoftware.com/7dayfreetrial/
because they have a 7 day free trial, I just cancelled before the 7 days and they never charged me, hope this helps!

Find Foreclosures Online

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Foreclosure Listings are a valuable resource for the buyer who knows that right now, going into the winter and holiday season, is an excellent time to buy well.

The housing market is said to be “correcting” nationally, in some states a “slump” cannot be ignored. .There are some real estate investors who have been caught out in a liquidity crisis. Investors and home owners, both first home and 2nd home buyers, speculating that the dramatic housing price rises of the decade would continue, have been caught in a squeeze as prices fall and mortgage interest rates climb. Other home buyers with bad credit ignored all commonsense and took out no deposit and other sub prime loans in the last 2 to 3 years. The home ownership rate has risen nationally to historic proportions; more home owners are at risk of losing their homes to foreclosure. Although the Federal Reserve Bank has acted now to brake the rise in interest rates, the tide of foreclosures in some states may not be stemmed quickly without a corresponding correction in economic activity in the same region.

Looking deeper into the picture state by state the buyer will find that national foreclosures data is of little use in directing the buyer to where he has the best advantage. Within each state there can also be a great divergence in foreclosure statistics. House prices have risen far higher than income per capita over the last decade in Los Angeles, Chicago, and Boston, resulting in an affordability crisis now. Yet in Dallas, some areas of the Mid West and also the South East there is little or no divergence between the rate of housing price increase over the last decade and the rate of per capita income increase. Foreclosure filings have been on the rise in these latter regions but both costs of living and house prices have remained affordable. The average foreclosure sale price this last quarter in California was around $360,000, in Texas was a very reasonable $125,000.

All this is by way of underlining that the foreclosures home buyer, knowing that the bottom of the market is near in some states, must look first at the local economic fundamentals. He will target foreclosures for investment (second home, home and income, or rental or starter home) in cities where affordability is not an issue, and economic activity is renewing with private-sector job growth noticeable. Foreclosure listings by city and county within a state are a vital first step in the search for the best investment. Only then can he move on through the listings to select neighborhoods or communities by analysing their demographics.

About the Author:

Philip Smith is the writer of http://www.foreclosuredeals.com. Your Source of Foreclosure Listings online.

Source - Foreclosure Listings; an Essay on How to Get the Best From Them

Home Mortgage Modification Means Better Mortgage Rates No Foreclosure

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Question: I have heard that some banks are willing to buy you out of your home if you buy their foreclosure. Any truth?

I have heard that some banks for willing to buy you out of your home if you will buy one of their foreclosure's. Does anyone know if there is truth to this?

>

Answer: No truth whatsoever. Lenders do not want to own real estate. Lending money is their business. They're not going to dump one property to only take on another.

How to Buy a Bank-Owned Home

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Question: How do I find foreclosure listings without paying a membership fee somewhere?

I keep hearing about how buying foreclosures is a great way to find buy property for less money. I am a recent college graduate and don't want to throw money away on rent when I can hopefully find a place where the monthly morgage payments are less. I am looking to live in the Lehigh Valley (Allentown) of Pennsylvania.

>

Answer: I am relocating and have been looking at foreclosures. With as many are out there, many are listed on realtor.com or with local realtors. A few sources that I've tried:

Bank websites - Chase, BoA, etc.
www.hud.gov - has links to all govt owned foreclosed properties
www.ushud.com - not a lot of information
Local realtors websites

Make sure you do your research like checking the county website for valuation information, tax info etc. Since most offer no disclosures, you want to make sure you do the legwork to ensure that it is a good deal.

California Foreclosure Listings: Find a Foreclosed Property

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Reno City of Nevada is going the gambling Casinos way, in competition with the world renowned Las Vegas. It is the third largest city by population, behind Las Vegas and Henderson. It is the county seat of Washoe county and the population as per 2007 Census estimates was 214,853.  Reno shares its borders with the city of Sparks and is the larger city of the Reno-Sparks Nevada Metropolitan Statistical Area, which covers Storey and Washoe counties. The combined population of this MSA is 342,885 as per 2000 estimates.

Reno is known as “The Biggest Little City in the World” and is famous for its casinos. It is home for the big entertainment giants like Harrah’s Entertainment. In the early history the prosperity of Reno began with the settlers of the region, starting business with the supply needs of those travelers along the California Trail. During the California’s Gold Rush, people as far from North American continent from Missouri River towns used California Trail extending up to 2000 miles, to reach California via Nevada Sierra Mountains. Discovery of Gold and Silver in the periphery of Virginia City further augmented the development of Reno, as the connection between Virginia City and the California Trail.

Nevada State shoot into prominence by legalizing gambling trade and easy divorce laws and this created another boom for Reno. While divorce business diluted, as other States also followed easy rules for divorce, gambling trade flourished as a major Industry for Reno. Further diversification was needed for the economic development of Reno, and it was fulfilled by main east-west Railway system; inter-state highways; favorable tax climate; availability of inexpensive land creating ideal conditions for warehousing and distribution of goods. These facilities were used to enhance the economy of Reno, by meeting the needs of growing population in the surrounding eleven western States of US.

Reno experienced a growing economy by the above factors and this resulted in new home constructions around the metro area. Arising out of the economic growth and the “housing bubble”, there was tremendous increase in housing prices. In 2006 the area of Reno-Sparks was named as the 44th most overvalued housing market in the country.

But the foreclosure crisis has brought down the housing prices in Reno and they have dramatically plummeted to a never-before bottom by Reno foreclosures, NV. Nevada has been topping the States of US, in turning out foreclosure filings in the last six months, which includes properties facing foreclosures in Reno as well. As on date, as many as 4980 properties are available for buying from Reno foreclosures, NV.

As the time is ripe for investment in these properties and enjoying the future growth Reno city is destined for, investors can avail the present opportunity.  The average price of properties ready for sale under Reno foreclosures, NV, is recorded as $166,800, as against the median price of secondary homes at $299,900. The difference is thousands of dollars in home buying now.

About the Author:

Search Foreclosures Listings or get more information on Foreclosures">http://www.foreclosure1.com/Foreclosure-State/State-Foreclosure.php/">Foreclosures by State at http://www.foreclosure1.com

Source - Reap good returns on investment of Reno foreclosures, NV

Tax Deed Properties for Pennies-On-The-Dollar in Potosi, MO

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Question: How can I find free foreclosure listings?

I need to find some foreclosure listings in Lincoln City, Oregon without having to put any type of credit card number online.

>

Answer: Try the government ones here:

REAL ESTATE FOR SALE BY THE UNITED STATES DEPARTMENT OF AGRICULTURE (USDA):

http://www.resales.usda.gov/

Real Estate for Sale by US Government Site #1

http://www.firstgov.gov/shopping/realestate/realestate.shtml

Site #2 http://www.homesales.gov/homesales/mainAction.do
IRS: Real & Personal Property Sales: http://www.ustreas.gov/auctions/irs/
Acquiring a VA guaranteed home foreclosed by states: http://www.ocwen.com/reo/residential/res_reofindbystate.cfm?proptype=VA
Foreclosure requirement by HUD guaranteed loans: http://www.hudclips.org/sub_nonhud/cgi/nph-brs.cgi?d=MLET&s1=90-$%5Bno%5D&op1=AND&SECT1=TXTHLB&SECT5=MLET&p=1&r=39&f=G
Homes and properties being sold by the different departments in US Government:

http://www.hud.gov/homes/homesforsale.cfm

USDA Properties for sale all states

http://www.resales.usda.gov/sfhdirect/sfh_prop_main.cfm

Good luck on your research

Foreclosure Help 97203 OR | Foreclosures 97203 Oregon

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According to the Federal Housing Finance Agency, foreclosures have increased an incredible 150% in the last two years. And with statistics showing that the majority of adjustable rate mortgages that were taken out during the height of the housing bubble will reach their next adjustment period in 2009, those foreclosure numbers may be increasing dramatically over the next year. Because of this, the FHFA has announced a new plan to try to halt the current foreclosure crisis by allowing the modification of loan payments for millions of borrowers.

The program will be implemented sometime in December, but not everybody facing foreclosure will be eligible. The be considered for the program, you must meet these requirements:

- A loan on your primary residence that was made before January 1, 2008

- Cooperate fully with loan servicers and provide all needed information

- At least 90 days behind on your payments

- Not have filed for bankruptcy

- You must prove a hardship that has affected your ability to pay, such as unemployment or medical bills

Obviously, this program is meant to help those most in need as soon as possible, but it won't be able to help everybody facing financial trouble. If you can't qualify, that doesn't mean you are out of options. Consider these before foreclosure:

- Before you do anything else, talk to a reputable credit counseling agency. Go to the Department of Housing and Urban Development website and look at their list of reputable, low-cost (or sometimes even free!) counselors. Also visit the website for the non-profit National Foundation for Credit Counseling. They can help you find someone in your area to help.

- Find out who currently owns your loan by asking your loan servicer. Then call them and talk to them. Many lenders will be willing to work out a deal that will help you get your bills paid. Be upfront and direct and ask them what options you have and what help they can provide. 

- If you haven't done so already, the answer may just be to tighten your belt. Cut back on luxuries and unnecessary expenses. Sell the car, borrow from relatives, get a second or third job, or consider renting out a room if your zoning laws allow it. The housing market will turn around and the value of your home will start going up again. Sometimes the best solution is to stick it out for a while until you're above water again.

- Think about a short sale, where you sell your home with the lender and in return they take less than the balance of your loan. Short sales are becoming more and more prevalent, but they can be a long and complicated process.

- If you and your lender can't come to an agreement and you can't possibly come up with the money for the mortgage, consider asking your lender about transferring your title in return for the cancellation of your debt. Known as "deed in lieu of foreclosure", this essentially means that you're giving your house to the lender voluntarily. The upside is that your credit won't take as much of a hit as it would if you went into foreclosure.

- If all else fails, the last resort is still open to you - bankruptcy. Remember that filing for bankruptcy will remain on your record for a decade and will kill your credit for years, but it will erase your debt and open up some other options. In some cases, you may actually be able to negotiate a payment plan that will allow you to keep your home. If you've tried every other avenue, this may be your last option but make sure you talk to a financial adviser before you proceed.

If you are finding yourself facing foreclosure, you are not alone. And most importantly, you are not out of options. There is help out there that you may be able to take advantage of. Talk to a professional, do your research, sit down and discuss things with your family and figure out whatever you need to do to get through this rough market.

About the Author:

Lee Cameron is a professional REALTOR® serving the Orlando real estate market. Lee has consistently proven his talent and knowledge in the real estate business and is known to his flair the business and the care with which he treats his clients. For more info on homes & properties in Orlando contact Lee today.

Source - Facing Foreclosure? You May Have Other Options

May 2009 CA Foreclosure Update by Mike Munzing

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Question: Buying foreclosure homes?

My husband and I are looking into buying a house. People suggested to buy a foreclosure home because it's cheaper than a "normal" home. Is it true, that it's cheaper or are there any additional costs that I wouldn't have with a non foreclosure home, so I'd end up paying more? How do I find foreclosure listings? I looked online and found a bunch of foreclosure listings but you have to register and pay in order to look at them.
Thanks for your help! )

>

Answer: You get what you pay for.

Usually foreclosures have "issues". If you and your husband are willing to put in sweat equity you can build significant equity in a short period of time.

If it is just a few bucks go ahead and pay to get the info, it could net you 10's of thousands in the future.

How to Buy Foreclosed Homes for $26,900

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Question: real eastate advice needed. active short sale is it a good thing or bad? ?

looking at buying my first home. not being familiar with the process or terminology i am not sure of the things to avoid. 5 years ago when i moved to this town the average home price was 250 two years later it rocketed to 450 now all of a sudden its back to 250 i do not want to wind up in the same boat as thousands of others are in. losing a home to foreclosure. the house i am interested in is an active short sale. i am not sure what that means. is it better or worse than a bank owned property? almost all the houses i look at are bank owned or active short sale. is either one a good opportunity for a first time buyer? and most important what types of loan do i avoid so that i don't lose my home in a few years? i want to know what my payments will be with no changes to them. ever. is there such a loan? is that a fixed loan? also what is equity? thanks so much

>

Answer: You need a help from a realtor or broker.Ask how much mortgage present interest rate and compute it if you can afford the monthly payments.Ask if they will pay for the closing cost and see if you can ask them to upgrade some part of the house.Fixed is that you are paying interest and the principal.I am sure that Banks want to get back their invested money from the house and they do not want to own them.You can either go for 30 or 40 years to pay so your monthly payment will go down and you do want to pay the house right away?
Hope this help.Good luck and start hunting houses.

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Question: How can I find out which mortgage company has the lien on a property?

There is a house/property that we are interested in buying, it's in foreclosure. We'd like to find out who has the mortgage, but don't know where to start. We already know it's not a local bank, we know the address and the name of the previous owners and tenants, but cannot contact the previous owner. Any ideas?
Indiana, Greene County

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Answer: Melissa,

There might be quite a few things to look at in this particular situation. I personally have bought many foreclosures. However, in your situation it sounds as though the house is not quite foreclosed on yet, but perhaps in a state of default. If this is the case you might be trying to attempt a short sale with the mortgage company. You could start at the counties recorders office in your area, but my recommendation to you, if you are really interested in this house, is to contact a title company in your area and have them prepare a profile report on the desired property. This report will give you a good starting point with lenders info and surrounding homeowner’s info. (Sometimes these title companies might have a website with free access to it, I use Chicago title).

However, the real important question you need to find an answer to is, why this house is going into foreclosure. If the house was just bought within the past year, it might have been that it was over paid for (this happened a lot in many areas). If the owner fell behind on payments and couldn't refinance, why were they not able to (if appraisal didn't support loan amount payoff). If the answers to these questions are that their is more owed than what it is worth, then wait till the lender takes it back at auction, and put a considerable offer on it then. (You would be surprised how low you can purchase bank owned homes that are on the market (70%-75% below market value)).

If you really believe this house is worth it, start with a title company. They can get you contact information. If you have not done many foreclosure, pre-foreclosure, or short sales, I might suggest you find a Realtor that specializes in these kinds of purchases, and is willing to help you out.

Lastly, if the property is not fully foreclosed on, you will need to find the owner of the mortgage being foreclosed, and get their permission to work with the bank directly. Otherwise, wait till the bank takes it back and move in then.

Also, if there are other homes in the area that are similar to this one you like, go visit them with your Realtor, and propose a deal with them (let them understand that in a short time the foreclosure down the street is going t bring the comps down in the neighborhood, and this is their chance to get a sale before that happens). Leverage that foreclosure with the rest of the neighborhood.....somebody will bite.

Happy Hunting

Real Estate: Buying, Selling & Renting : How to Find the Value of a House by Address

Find Foreclosure By Address is a post from: Foreclosures Help Information

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Question: How do I make an offer for a pre-foreclosure property?

I have an address for pre-foreclosure from a web site that can tell you if a property is in pre-foreclosure or is already going to auction. I am looking for a second property for income purposes located within one hour from my house.

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Answer: I am a realtor in Santa Clarita, CA and would love to assist you with this purchase. I work very heavily with pre-foreclosure and foreclosure sales, and have contacts in almost all 50 states, so I could probably get you to someone in most any area if you are not in CA.

Real Estate: Buying, Selling & Renting : How to Find Out if a House has Been Foreclosed

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Driving South on Interstate 75 in Marietta, GA everyone on their way to work looks up to see the big realty company sign that tells how many listings are on the market, waiting to be sold.  The numbers have finally made it back in the 70,000 range which is what we used to call “normal” when referring to the then thriving Georgia Market.  We may be tempted to give a sigh of relief that things are finally returning to “normal,” but the numbers portray a false security.
May’s foreclosure statistics reported the third largest number in history of U.S. properties with foreclosure activity.  Although the number was down 6% from April, still 321,480 homes showed filings for foreclosure, notices of default, or were marked for auction and repossession.  May also was the third straight month of national foreclosures exceeding the 300,000 homes mark.  According to a report put out recently by RealtyTrac®, 1 in every 398 U.S. homes received a foreclosure filing in May.  Georgia is currently ranked 7th in properties with foreclosure filings.  In Georgia, 1 in every 377 homes is involved in foreclosure activity, a figure slightly under the national average.
Though there may seem to be signs of less homes on the market, and thus the return of a healthy, more stable real estate economy – the problem lies in the reality of a flood of foreclosures that has been dammed up by various state regulations and the Obama administration’s requests in the form of an imposed moratorium since October 31, 2008.  That moratorium was lifted March 31st, and now banks and mortgage companies are aggressively engaging their previous process and policies of foreclosure regarding delinquent homeowners.  We haven’t seen the effects of the flood yet because evictions and notices take time.  But be assured, it’s coming. RealtyTrac’s executive officer James Saccacio stated this month “We expect REO activity to spike in the coming months as foreclosure delays and moratoria implemented by various state laws come to an end.”
Many people have been living in their homes for 6 months to a year without making payments, and without so much as a peep from their mortgage company.  Many lenders had slowed or stopped their foreclosing on borrowers waiting for clarification on Obama’s housing-rescue plan introduced in February, and the possible incentives accompanying it.  Other mortgage companies delayed foreclosures simply trying to deal with and strengthen their own programs to withstand the onslaught of the first wave and to comply with the changes in state laws.  But now with the moratorium lifted, the dam has begun to crack, and the force of the waters behind it is great – and these guests who have overstayed their welcome are being told to pack their bags -- quickly. 
The effects of this 2nd wave of foreclosures on the real estate industry and the economy at large are uncertain.  Some experts expect more than 2 million homes to be foreclosed on in 2009 and that this flood of properties may cause further decline in home prices of up to 20%. So, I guess it’s fair to say we’re not out of the woods yet.  At the same time though, it’s not all doom and gloom.  With the second wave of foreclosures on the way, the agents who have survived through grit and professional determination, savvy investors, and homebuyers have a chance to ride the wave -- this time with more experience, more opportunity, and potentially more incentives than ever before. I have hope that, although the real estate industry led the way in getting us into this mess, it will also lead us the way out.
Lee Graham is an Associate Broker and owner of The Graham Group, a premier team of real estate professionals specializing in <a href="http://www.atlantagrouprealestate.com/"> Atlanta Real Estate</a>.  Their areas of expertise include Residential, Foreclosures, and Short-Sales.  View more information at http://AtlantaGroupRealEstate.com.

About the Author:

Prior to beginning his career in real estate, Lee founded a successful insurance agency in Danville, KY. In 2001, he co-founded Avenues of Atlanta Realty and became a Multi-Million Dollar Producer from 2001 to 2003. He received his broker's license in 2004 after co-founding Weichert, Realtors-Premier. His successes as a Realtor contribute to his credibility as a leader of his Company's agents. His most recent activity includes the founding of The Graham Group, specializing in Atlanta real estate.

Article Source: ArticlesBase.com - Riding the 2nd Wave of Foreclosures

Loss Mitigation Business Opportunity.

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Government auctions are similar to all other auctions.

You will occasionally find great deals. Bidders will attend in direct proportion to the amount of advertising purchased by an agency. HUD auctions attract more bidders than tax seizure auctions.

Hector Milla Editor of the "Best Free Foreclosure Listings" website -- http://www.BestFreeForeclosureListings.com -- pointed out;

“…Bankruptcy auctions attract even fewer bidders because trustees do not have lavish budgets for advertising. You should also expect a few professional bidders at all auctions. They monitor a wide variety of sales and know from experience which ones consistently produce the best deals…”

To maximize profits, you should consider broadening your perspective. The default rate on mortgages continues setting record highs. These sales offer great potential, in addition to government sales. You may also consider foreclosure auctions offering unimproved property or mineral rights. Auctions offering oil producing mineral rights attract few bidders, but do require a high degree of expertise.

The best services provide foreclosure listings for all of these property types. They also may include historical listings of formerly foreclosed properties now owned by lenders. Banks are under constant pressure from regulators to dispose of non-producing assets. REO is worth consideration. The best services offering foreclosure listings include more opportunities than you could possibly consider. Home listings alone total more than million nationwide. One of the best options these company offer, is free.

“…Expert reach firms typically allow a free look before requesting a fee. A seven-day trial allows you full use of their products and services, without charge, before deciding if you are interested in becoming a permanent subscriber. Even if you subscribe, you may cancel at any time without obligation. Demand excellent service and data for $50 a month. You will find top rated, reputable companies offering a full range of services for as little as $30 a month…” added H. Milla.

The best company however, is the one that provides the best coverage for your area of interest and produces the most worthy prospects. Ultimately, the choice is yours. This choice is easy when comparing services and becoming familiar with each company’s products.

Further information and resources to get free home foreclosure listings by visiting http://www.BestFreeForeclosureListings.com

About the Author:

Hector Milla runs his corporate website at http://www.OpsRegs.com where you can see all his articles and press releases.

Article Source: ArticlesBase.com - Government Home Foreclosure Listing - Is It the Best Option?

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Question: I live in Phila pa. I've been renting this property for about 21/2 yrs.?

My rent is paid every month and is current. I just found out last week that my landlord hasn't paid the mortgage sine Feb and it is now Oct. I'm furious and I think this whole situation is unfair. I REFUSE TO PAY HIM ANOTHER DIME! I'm lost and I don't know what to do. I have two young sons to think about. I've taken steps to put the money in escrow or a seperate account. The house is in FORECLOSURE. What should I do?

>

Answer: I don't blame you a bit for being mad---but you risk eviction for non-payment even though he isn't making his payments...foreclosure proceedings can carry on for many months and you are taking a serious risk by holding back the rent if you are under a Lease..Most lenders are required to work with tenants if they received TARP funds and either way your lease terms apply if someone purchases the home. Hang in there and do the right thing----you may be allowed to stay or be offered cash for keys.

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Question: What are my rights as a tenant during a foreclosure?

Hi. I have a verbal month to month agreement with my landlord in New York State. She recently stopped paying the mortgage and the house is going to go into foreclosure. I got the paperwork from the attorney handling it back in November. My lanlord states that I have to continue to pay her the rent each month of $400. Is this true? I've heard from other sources that I can continue to live in the house with out paying my landlord until the bank gives me a 60 day notice to move.

Thanks for all your help in advance!

>

Answer: go for it

Foreclosure scams prey on homeowners

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Bank foreclosures for sale mean properties requiring a new owner.  These properties are liabilities to the Banks, since the capital invested on them is blocked, because of the default in repayment.  The only way Banks could get back their capital is selling them off, as quickly as possible.

Talking of Bank foreclosures for sale, it is the predominant headache the US country is facing presently and is causing a crisis of devastating proportion to their economy.  Financial markets are struggling with the burden of this problem of high magnitude, as never-before in their history.  The US Government is under constant pressure to rectify the situation, by bailing out sinking Banks and financial institutions on the one hand, and mitigating the grievances of millions of home owners, faced with foreclosure of their equities on the other.

Bank foreclosures for sale are mounting in huge numbers month after month.  As a direct consequence of heavy Bank foreclosures for sale properties, in prime locations such as – California; Florida; Arizona; Nevada; Illinois; Texas; Michigan; Ohio; New Jersey; Georgia; North and South Carolina and New York – housing prices plummeted to lowest levels.  Properties in these States, which were unaffordable to many Americans, have become suddenly affordable with their bottom-level prices.

Although Bank foreclosures for sale reflect the misfortune of millions of home owners, undeniably they have opened up new vistas and avenues to first time home buyers and investors. People, who were only dreaming about embarking in home buying activity from the above locations, can now do so from Bank foreclosures for sale.

All they have to do is plan well their home buying strategy. They must first weigh their financial resources with reference to their household income, the amount they can spare in the monthly budget, towards repayment of mortgage loan installments and savings made so far towards meeting the initial payment upfront.  It is a fact that many Bank foreclosure for sale properties are quoted for prices well below the fair market value and can be comfortably met by the amounts of monthly rent people are presently paying.

After assessing their resources, the next step is to get their credit history standing qualified, for buying a housing property from Bank foreclosures for sale.  Qualified home buyers with sound financial backgrounds are welcomed by Banks on first priority, for disposing of Bank repossessed properties.  There are three types of properties listed in Bank foreclosures for sale. First is delinquent properties in the pre-foreclosure stage; second is properties fixed for foreclosure sale public auction on certain dates; and finally Bank-owned and repossessed properties lying as “non-performing assets” in their books.

It should be understood that all these types of Bank foreclosures for sale are properties having a selling pressure. The Banks are carrying the burden of incurring additional expenditure by maintaining these properties; safe-guarding the deserted properties from vandals; and keeping the Bank-owned properties in a marketable and ready-to-occupy condition.

Home buyers and investors can make best use of this precarious position of the Bank foreclosure for sale properties. Tactful negotiation, if needed with the help of buying Real Estate agent in the locality, can get them good and solid properties at never imaginable prices from Bank foreclosure for sale.

About the Author:

To learn more about making money with bank foreclosures for sale make sure to visit our site at ForeclosureRepos.com, the best place to search bank foreclosures by state!

Source - Bank Foreclosures for Sale are Worth Buying Profitably

1216 SE 3rd St, Cape Coral, Florida

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Question: government assistance homeowners?

My home is in foreclosure, my credit rating poor, due to health crisis. Is there any goverment program that assists homeowners, so they can retain their home? We could make our payments now, just can't pay back owed. margaret

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Answer: if your home is an FHA or VA, they have a program with whomever you financed with called something like hardship program, etc. but you must contact the mortgager to try and work something out before it goes to foreclosure. also check wth United Way, they can tell you how or who you can contac to possible get some fiancial assistance. Hopefully, you are working. because otherwise the finance co probably won't try and develeop a repayment program if you don't have a means to repay. email me and maybe we can discuss further. I might be able to assist you. WAIT before filing Chpt 7 or 13. Try one of these programs or email me, if you have time.

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Question: can anyone turn the housing market around?

Industry experts say there have been more than 900,000 foreclosures since 2007. We'd all agree things are pretty bad right now

Nearly 2 million mortgages are delinquent by 60 days or more, putting them at risk of foreclosure.

The Government says it will wait to take any action until after the new president is seated in Jan 2009. that's at least five months from now...

So I ask if only 900,000 foreclosures have damaged the market this bad what's going to happen when we see 2 million home owners go belly up? Can this even be stopped at this point?

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Answer: Yes it can be stopped if banks are willing to renegotiate the value of the house to reflect current market value. Put a moratorium on foreclosures. Put a cap on mortgage rates from 6.5 % to 5.5%.

Banks want Government bailout with taxpayers money but they are still too greedy to make any concessions to people who are in financial distressed.

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