Upcoming Foreclosures

How do you find free listings for bank foreclosures? I'm shopping for a house in St. Petersburg, Fl and, like everyone else, am trying to get the most for my small amount of money. How do I get a free list of bank foreclosures?

Where on the internet can I find a free list of bank foreclosure homes in my local area?

How do you find Pinellas-county,Florida bank "FORECLOSURE-LIST"..for "free viewing"? doesn't have to be in my specific area just the ( ROOT) of the informationfor every state.

Where do I find those lists of bank foreclosures, REOs, pre-foreclosures, and/or any combination of for free? I had notes on this, but I lost them.

Where can i find a list of foreclosures for free? I have a few dollars that are sitting in the bank getting less than .5% interest, i would like to see my money do more for me so i thought foreclosures would be a good idea. Any other ideas, please let me know. What are your views on 20k federal bonds? thanks

Bank Owned properties: How do I get information about REO for free? I have found some houses that are currently bank owned (I assume a REO). I have found these through a site that lists pre-foreclosures, foreclosed houses up for auctions, and bank owned properties... But it won't list the address, or anything about when the auctions are, and I have no idea who to contact if I am interested in this house without paying for the service. Are these records listed for free anywhere? Can I go to the cityhall of the city the house is in? Do I have to go to each bank to find it out?

do banks give out free foreclosure lists? i am looking for foreclosure homes to look at and i cant seem to find any websites that give me the exact address of the homes so i can go check them out, so im wondering if i can get a list of the homes in the bank? i have a bank of america account by the way, dont know if that matters

Bank foreclosures? How do i find a FREE list of foreclosed homes in my area? I see lots of "pay a monthly membership" sites, but is there one that lists them for free? Or auction?

Does anyone know how to get free information about foreclosure properties? I'm not interested in giving my credit card details to a company in exchange for a free trial of their foreclosure listings. Is there a source where banks list properties they own that are for sale?

Where can I find a public listing of bank foreclosure homes in Austin, TX.? I would prefer sites that are free and provide complete information.

Where can I find truly free information on foreclosures? I don't know how or why, well obviously for profit. But doesn't it seem there should be an easy way to search for foreclosed homes. I'm looking for sites that might allow me to do this. I know Bank of America lists some of theirs, but would like advice on any others. Thanks Nalson, your link sucks. It's useless SPAM! Actually, I did some more searching last night and Bank of America and Sun Trust have listings on their websites for homes they own and are selling. Also, Fannie Mae and Freddie Mac list homes they own on their sites as well. I'm hoping to find a single free site where all of this info is available.

Where do you find legit information on buying foreclosed real estate and attending real estate auctions? I live in CA and have taken two college level Real Estate classes and a few seminars, but no one seems to have any information that is actually available to the public on how to buy foreclosures, where to get the lists from for free and where to find the auctions. My college instructors advised to just buy a house via the "normal" route and avoid many of the problems people have with such properties, and the seminar instructors just seemed to want to sell their own mailing lists which just listed banks that didn't have any information you couldn't find on Google. I've sent a few letters to Fannie Mae and have only received their "new home buyers' guide - which is very informative - but not helpful. I'd like to invest in foreclosures and possibly "flip" a property and I know it isn't easy and it is a true risk of $$, but it seems like those in the know are keeping quiet about their resources - if this is public information, where do you find it without taking a get-rich quick seminar?

Fine foreclosure listings without signing up with a company.? How can I get a list of foreclosure listings and bank owned homes in my area without signing up with some company. I don't want to give my info out and I want to keep searching for free.

DOES BANKS COULD GIVE U A LIST OF FORECLOSURE HOMES ? SPECIFICALLY WACHOVIA BANK OR ANYOTHERS ? OR ANY FREE WEBSITE WHERE I COULD DO IT MYSELF , USUALLY I LOOK ONLINE BUT I ALWAYS COME ACROSS W THE ONCE I HAVE TO PAY JUST TO GET A LISTING

Where to call and how to find foreclosure home listings? I am looking to find a foreclosure or bank owned foreclosure homes in New Jersey. Does anyone know a free toll free number or a really good site where i can get listing of the homes in different counties? or has anyone tried doing any foreclosure listings and what sites or places did you guys call?..........thank you very much.

Is it possible to save the United States of America? Infrastructure falling apart Oil spill polluting the Gulf of Mexico Economy recovering at a snails pace Education first on the chopping block in many communities Eight years in a war we can't win Lobbyists for big business running the country Health care problems bandaged not fully addressed Millions of additional foreclosures in the near future Banks not lending to Main Street Feel free to add to this list. Is there hope for the USA?

Could someone please tell me again why America elected Obama? Gitmo is still open. The war has not ended but rather escalated. The economy is in the dumper. The jobs market is awash. The stock market is continually flat. (1 year history;1 year future prospect) Foreclosures remain high. 102 banks have closed so far this year. The country is in debt. (astronomically so) We are being invaded from the south. In your answer.....Please fill free to add to my short list of things a dem prez., bolstered by a dem congress, needs to address.

Should we feel sorry for this family because of "their" bad choices? The American Dream turns into a debtor's nightmare A sad, but common, tale starts with alleged predatory lending, intensifies with impossibly high payments and usually ends in foreclosure. By Jennifer Delson and and Christopher Goffard, Los Angeles Times Staff Writers October 8, 2007 Soledad Aviles dreamed for years of owning a home, with a plot of land where he could grow corn and chiles as he did in his native Mexico. So he felt blessed last year when he learned he could buy a three-bedroom, single-story stucco house on West La Verne Avenue in Santa Ana. Referred to a local loan broker by a trusted friend, he borrowed the entire purchase price of $615,000 from Washington Mutual at a high interest rate typical of sub-prime loans. The monthly payment, as he says he understood it, would be $3,600 -- steep for a glass cutter who made $9 an hour -- but Aviles counted on his wife and three of his six daughters, who also worked low-paying jobs, to contribute. "We took out our pencils, figured out our take-home pay and figured out that if we all pitched in, it would work," said Aviles, 54, a stoop-shouldered, soft-spoken man with a sixth-grade education from Mexico. Relying on the broker's word, he signed loan documents written in English, a language he neither speaks nor reads, Aviles said. He was shocked to learn afterward that the monthly payment would not be $3,600, but $4,800 -- a price that forced him to rent out bedrooms, the garage and an enclosed porch while he and his wife slept on the couch. He fed his family with food from friends and corn he grew. Aviles says he was not aware that the February 2006 loan application he signed dramatically exaggerated his family's income. The application lists him as the owner of a landscaping business with a $7,400 monthly income. His 27-year-old daughter Marlene, who earns $9 an hour in a noodle factory, appears as the owner of a housecleaning company who makes $5,700 a month. The application lists their yearly income as $157,000, when, according to Aviles, it was really closer to $60,000. Now, five months behind on his payments, Aviles is scrambling to sell the house before the bank forecloses. Desperately ill from kidney disease and unable to work for the last year, he sits dejectedly at the dining room table, wondering when the bank will kick him out. Aviles' situation is hardly unique. Add his name to the ever-expanding list of casualties in the nationwide sub-prime mortgage debacle, his experience echoing that of thousands who bought homes in recent years only to find themselves in a sagging market saddled with payments they cannot make. But amid the storm of foreclosures, his story illustrates the special vulnerabilities of first-generation immigrants in places like predominantly Latino Santa Ana, where city leaders have identified about 800 sub-prime borrowers facing the potential loss of their homes. "We think this is just the tip of the iceberg, in terms of the breadth and depth," said Steve Harding, Santa Ana's deputy city manager. Apart from the language barrier, he said, many first-generation immigrants might have been especially vulnerable to sub-prime lending because they avoided checking accounts and credit cards, which prevented them from qualifying for regular loans. The city has teamed with the Fair Housing Council of Orange County to offer free foreclosure prevention workshops, hoping to teach people to avoid predatory lenders and find help as they face the loss of their homes. The Fair Housing Council said the number of people seeking help over mortgage woes, many of them Latinos living in Anaheim and Santa Ana, has soared. The group typically receives 15 to 20 complaints annually, but in September of this year the group received more than 20. The state Department of Real Estate, nonprofits and the Mexican consulate also have reported a rise in mortgage complaints, many of them from homeowners saying they signed documents they didn't understand. Across the state, many cases are landing in court. Kerstin Arusha, a directing attorney at the nonprofit Law Foundation of Silicon Valley, said that Spanish speakers, along with the elderly, "seem to be hardest hit by both sub-prime lending and predatory lending. There are many borrowers out there that were misled about the terms of the loan." The Law Foundation is suing a broker, real estate agent and lender in federal court on behalf of nine Santa Clara County families, many of whom speak only Spanish, contending they were lured into mortgages they didn't understand. The lawsuit alleges that the broker inflated incomes on loan applications, misrepresented the terms of the loans and stuck clients with higher payments than they had been promised. The victims "thought they saw the promise of the American Dream, and instead they ended up with a nightmare," Arusha said. "I think they were seen as easy targets for predatory lenders who could sell them a bill of goods without giving them disclosures in a language they understand." The Law Foundation is handling 10 other cases involving predatory lending, half of them for Latino clients, Arusha said. But in Orange County, the district attorney's office has not reported an increase in prosecutions for fraudulent lending. Elizabeth Henderson, a prosecutor in the county's fraud unit, said many such crimes go unreported in immigrant communities because of a distrust of law enforcement and confusion over what had occurred. "They're not really sure what they were promised, so they don't know if they were cheated," she said. Sitting in his Santa Ana home, waiting for the bank to kick him out or for his kidney to kill him, Aviles did not hesitate to characterize what had happened to him: "They used me, nothing more." He was led astray, he said, by a man he had considered a dear friend, Carlos Lares. They used to work in a factory together. He said Lares showed him about a dozen homes, including the one he bought, and offered to arrange a mortgage. State records show Lares lacks the real estate license required to show homes. In an interview with The Times, Lares denied showing homes and said he merely took Aviles to the office where he works, Century 21 South Coast. He declined to comment further. His business card lists him as a "team service associate." Part of me does feel bad for him, but he was stupid to think he could even make payments o $3600 a month, when he and his wife only make $9.00 an hour. WE should not have to bail him out or bail out others like them. This article is the start of letting the taxpayer bail these people out of their situations. Screw the people who made educated choices. """Jesus, Mary and Joseph.....a $600K house? $9/hr income. You must be kidding me. What was this man thinking in ANY language??? """" LOL that is the going rate in this part of the country. What is sad....... the majority of Santa Ana is a dump...... it is an illegals haven...... It is little TJ

Is it just me, or does this not make sense....? Alright, so part of the big problem here is that banks have not enough money and too many houses (because there have been a lot of foreclosures) So wouldn't it make sense to have these houses like on the market at cost to help get rid of them? It's stupid that you have to pay for a listing of bank owned properties in MD. And if you don't have to pay for it... can someone tell me where you can find the listings for free?

What is you Government doing for you? How is your government doing? If any- one citizen living in the United States feels that the answer to this statement might be true, then it is time for you to act. Stop sitting on your hands doing nothing to fix our problems in Government. No more sitting back waiting for some knight in shining armor to come rescue you, they just are not going to come. No more putting your trust in those fast talking pimps because they care more about their own family, friends and MONEY then doing the real work of the people. Moreover, no more expecting those that we elected to do what is in the best interest of you, the city, the state, or your NATION for to many have proven to us they are inapt and not even deserving of our respect. In order for our Country, and our expected way of life to be sustained, and thrive, it is going to take the citizens that really care enough to pull it out of the pathetic state that our leaders and have now put us in. It is going to take the citizens to start evicting the present so-called leaders and start electing people that care and lead by example. You want change and respectability from other countries. Then stop falling on the sward and start thinking about change that will help us out of our situation and help us grow. We the people need to start stepping up and voicing out about these people and the changes needed, to bring us back to the GREAT NATION we should be and once were. Remember these caring elected people tell us what we want to hear just to get into office, and then they show their true colors. They are taking away our way of life, our jobs, our culture, our plain existence. Honestly, can these people that have hurt us so much care, be trusted with any more of our future. We must stop allowing ourselves to be lead astray by any organizations such as the Democratic Party, Republican Party, or any group, or any other organization. We deserve better, far too many of our pseudo leaders could not lead us past the front door of their banks and are leading us astray with plain BULL, most if not all are just self-fulfilling, and self motivated. THIS MOST STOP One of the greatest things we have in America is the power to make change. As some of the greatest ancestors that founded our great nation intended and fought for us. This is why we have the right to protest and remove the power that is damaging or economy and national security. Our constitution within it self-states we all have a voice that we have rights and should stand up and act, be counted. As our Government has grown 60% over the last 10 years, we have lost our way. One hand is unsure of what the other is doing, weeks of debate to fix nothing, Congressional hearing over steroids in baseball, the list is endless. Moreover, all the while, we the people are without jobs, economy is in a free fall, housing foreclosures everywhere, and our nation is shipping jobs and companies to other countries. We have become so TOP heavy and controlling that the people are the last thing they seem to care about. Keep in mind they keep collect there pay for this poorly, and inadequate job they are performing. We cry foul over the slaves of the past and wrong we where. However, that is what we are moving back to with the way our present GOVERNMENTS thinking. This time it is the powerful and the big corporations the rich and government leaders Vs the little people (slaves), that are dying off and forced to work at nothing jobs as the good jobs leave the our country. NAFTA, a way for the United States to increase jobs and a foothold in the world, what jobs you might ask, I ask that myself everyday another company leaves for Mexico, Japan ect. We have lost over 40,000 companies over the last few years and more than 500,000 jobs this year alone. Therefore, I ask , is our Government doing the right thing for our nation, our people. Are these holders of offices helping the people or just the corporations? In reality who is beneficiary of the changes, they have made to our customs laws and open borders, truly not the American people. Truly not the hard working people that made this country great, not the grandfather that is forced to work at Wal-Mart at the age of 72, because he can’t afford his prescriptions. As Mr. Bush, is set to leave office with his FULL retirement package for life I might add, after doing such a piss poor job for the last eight years, will he care about the damage he and this cronies in congress, and house have done to the American economy, I THINK NOT. Much like the companies that give big severance packages to CEOs that have mismanaged a business, after the stockholders have lost millions. One that comes to mine is a CEO that received 68 Million in severance for his inapt work (YOU KNOW WHO YOU ARE). Another is American Axel, 8 Million dollar bonus, and a raise after employees took pay cuts; benefit cutbacks, and costing more the 300 AMERICAN people there job in the United States that moved to MEXICO, sure, he deserves a raise. Again, I cannot stress enough how important it is for the people of the United States to be the agent of change for the betterment of America and for saving our Nation, DELAY on this will lead to our own demise. We are constantly saying that the Government is destroying our lives and we need less Government interference, then we need to fine the fortitude that lies within ourselves to stop them NOW. Selfish politicians that claim there helping, and looking out for us are now mistreating and abusing us. Over empowerment in office has allowed them to destroy us and destroy our GREAT NATION. We need to rebel against them and do the right thing, force them to do the right thing or get out of office; the situation has become so pathetic in the United States that it is now or we all will parish into a 3rd world nation. To protest is much like a riot; you can force change, but it is not going to change if we keep excepting the wrongs that we are and have endured. We must stan up and fight back, we are the leaders of change in this world and we must not allow them to continue their dangerous, destructive, and greedy ways. We deserve better, rise up make a stand, start making a difference TODAY, be heard now. Truly, any politician that really cares has a stake in this and the UNITED STATES and should stand next to and with us and finely fight for the people and FORCE CHANGE TO NAFTA and illegal Immigration, and this mismanaged Government as a hole. Someone needs to come forward, embrace this movement, and improve AMERICAS FATE. The fate of AMERICA rest with the people right now, because we can no longer have faith, or trust in the ones we have so inaptly placed in office and in control of our GREAT NATION. We have elected the same people to the same office so many times that they feel it is their right to be there, along with that, we have so many of our politicians with family and friends in office its turned into too ; the good old boy game. Furthermore, we allow a politician to move from one office to another when they can’t run there anymore because of time restraints, what good is that, we just open the door for them to do favors for one another to get that post, and we end up with the same results, different person. However, with our own inability to see the truth, and past their GREEDY way and bad decisions we have failed ourselves. Nevertheless, it is not to late to correct our problem. We can stand up and do today what we should have done yesterday or last week. KICK THEM TO THE SAME CURB THEY HAVE BEEN TRYING TO KICK US TO AND START OVER WITH NEW AND VERY AMERICAN PEOPLE. YOU CAN START TODAY BY CALLING EVERY GOVERNMENT OFFICE IN YOUR STATE AND ASK THEM TO RESIGN, FOR FAILING TO MEET THEIR OBLIGATIONS TO THEIR OATH, AND PRESERVE THE UNITED STATES OF AMERICA.

What to do about declining home value...Is a short sale a good idea? I've seen many questions on the subject, (so please excuse if I'm asking a redundant question). I'd like a little advice, so here goes... I purchased a townhome 5 years ago, for $125,000. It was recently appraised for just under $110,000 (which is what I owe the bank), but due to comps. in the area and the declined values of other properties in the neighborhood due to foreclosures, I have been advised to list for $75,000 by my realtor. We've had townhomes in our neighborhood sell in the last 6 months from between $70,000 and $90,000. I have a growing family, and have since run out of space in my small and cramped townhome, that at the time (5 years ago) was a perfect "starter" home. So I literally can't stick it out another 3-5 years to wait for values to rebound. And I was also advised that I should consider renting it out, but have since come to the conclusion that it would be best not to do so for financial reasons - mainly the fact that the rent price we'd be forced to charge comes under the monthly mortgage payments, not including HOA dues. So our only options are to live a drastically uncomfortable lifestyle and stick it out in a place that is too small for us and continue to make mortgage payments on a loan that is no longer feasible (because I could be putting the same money into a bigger and better place), to lease it out to potentially less responsible tenants and risk either damage, or breaking of the lease (where I would be resposible for 2 mortgages/rent), or file for bankruptcy and allow the property to foreclose. But I've been doing some reading about "short sales", where along with our financial situation and hardships with standard of living, the bank would use fair market value and neighborhood comps to decide whether it is better for all concerned to accept whatever sale price my property is able to sell for BEFORE I ever get to a situation where I fall behind on the payments or just walk away. But I've always ever heard that a short sale is something people do when they are in pre-foreclosure - not current in their payments, like I am. My only hardship is that I owe $109,000 on a property that is only worth $75,000, and I can't wait it out. It is my understanding that such a process would leave my family and I dept free after closing - freeing me to persue a larger property to purchase. So my question is, would this be a good idea? What should I do?

short sale foreclosure information? I am new to real estate short sale investing. One client (seller) is behind in payments about $20k. Trustee (auction) sale is on March 12. Has a 1st and 2nd loan with the same bank. Total owe is $624k. Properties in this are are taking 90 days to sell. Comps around this area are for $700,000. What are my option? How much should I offer the banks? What are my profits and my expenses?? How much should I get it for and List it for once the bank accept my offer?? What happen the the behind payments of the seller? Is the seller liable for anything or he is free of the home debt or taxes????

What do you think of Obama's plans (listed here)? 1. Immediate Relief 1.1 A moratorium on foreclosures and evictions. 1.2 Reset mortgages so payments are affordable. 1.3 No bailouts for banks. 1.4 Extend unemployment compensation, increase payments and eligibility. 1.5 Increase food stamps, WIC, children's health ins., low income energy assistance. 1.6 Assist state and local governments. 1.7 Fund "ready-to-go" infrastructure projects. 2. A Peacetime, Green Jobs Economy for All 2.1 Enact massive public works. 2.2 Make existing buildings energy efficient. 2.3 Construct new schools, affordable housing, mass transit and bridges. 2.4 Major clean, affordable energy dvpt project for solar, wind, and biomass. 2.5 Program to cut greenhouse gas emissions, environmental cleanup. 2.6 Restore energy regulation and public ownership of utilities. 2.7 Enact the Employee Free Choice Act. 2.8 Enact HR 676, US National Health Insurance Act, single payer. 2.9 Fund public education, pre-school through higher and technical. 2.10 No privatization of Social Security or Medicare. 2.11 Expand and improve SS & Medicare benefits. 3. Restore Civil Rights, Bill of Rights, Separation of Powers 3.1 Restore Civil Rights Act enforcement, affirmative action. 3.2 Outlaw hate crimes. 3.3 Preserve Roe v Wade. 3.4 Immigration reform with path to citizenship, no militarization of borders. 3.5 No exploitative guest worker programs. 3.6 No human being is illegal. 3.7 Repeal the Patriot Act. 3.8 Investigate and prosecute Bush administration violations. 3.9 Expand voting rights. 3.10 Enact publicly financed elections. 3.11 Same-day registration. 3.12 Voting rights for ex-felons. 3.13 Restore Fairness Doctrine in media. 4. Strength through Peace 4.1 Withdraw US troops from Iraq with no bases or US corporations left behind. 4.2 Full care for returning veterans. 4.3 No war on Iran. 4.4 No expansion of troops in Afghanistan. 4.5 Assistance to Iraq to rebuild Iraq. 4.6 New foreign policy of diplomacy, respect for all nations. 4.7 Renew commitment to UN. 4.8 End trade policies that enrich corporations and destroy jobs. 4.9 Ratify Kyoto Treaty and other climate change agreements. 4.10 Enforce nuclear non-proliferation. 4.11 Work to abolish nuclear weapons. 4.12 Cut Pentagon spending in half. 4.13 Close down US bases around the world. Where did I get this list from? This is actually the current Platform of the Communist Party USA..straight from Their Website! Aside from a few items, What's The Difference? http://www.americanthinker.com/2009/03/bingo_call_it_communism_1.html LOL! (Hollywood) finally got something Right! LilVince: Not exactly..Can't means Don't Want To! Funny thing about a question like this..it provides the opportunity for folks to 'pick a side'. I like that! 4.2 Full care for returning veterans. I'm not against this in principal but I don't trust their words or their motives. Hey, even a blind pig finds an acorn once in a while. 4.3 No war on Iran. Will they leave us a choice? 4. Strength through Peace Ha! What? WTF does that even mean? Give me a break! 3.9 Expand voting rights. To Who..Martians? 34th: You make some good points but be very careful when using the word 'Give' in connection to the federal government! What's the Standard to go by? Here it is...The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people. Bev: "Therefore basically he is stating that a contract in the U.S. means nothing anymore." Exactly! Sounds a lot like that commie Chaves doesn't It? Inquisitor: It wouldn't have phased them in the least during the election. I've said many times that the man could have called a press conference and smoked a huge joint while standing on The American Flag [with his arm around bill ayers] and they [the press and sheeple] would have called him a revolutionary political figure and voted him in anyway! I understand that there are some supposed 'well meaning' points here folks but these people COULD CARE LESS WHAT THE CONSTITUTION SAYS ABOUT THEIR PLANS! They want their agenda shoved down our throats..INDIVIDUAL RIGHTS..PRIVATE PROPERTY..THE LAW..FREEDOM be DAMNED! The 'candy' in their platform should be recognized for what it is. It's just like the candy that a child molester offers a child. It's all about motives here people! Yeah I know it's long. Sorry for the double space. (didn't want to be acused of editing it) Ol'Foolosifer: I get your points Bro I just don't trust the source. There Is Some Good News! http://www.gencourt.state.nh.us/legislation/2009/HCR0006.html Drop: Yeah I hope y'all have recovered from those fires. That was some scary looking stuff.I'm originally from the north west and that area caught hell last year too. Enjoy your coffee. Bo: "Remember about socialist :do what I say but not what I do" I wish the younger folks would think about that! OK!!! You've gotten the best of me people! LOL! There's no way to respond to each point so I'll just say WOW! I'M IMPRESSED!!!!!

Why would someone do this?!?! Foreclosure Rage... I just bought a home in Michigan that was foreclosed. I have since found out that the previous owners bought this property in late 2006 in the amount of $175,000. At some point the property, appraised over $200,000 while in their possession. During this time I can clearly see they have made a few updates before going into default. November 2007 the mortgage lender foreclosed and it was sold at Sheriff's Auction to another bank for $113,000 and that bank then went through court proceedures to evict the owners by March 2008. In this time frame, the home owner completely destroyed the home by: [ ] removing all fixtures: (toilet, sinks, lights, outlets) [ ] cutting all the electrical wiring in numerous places (and just left the wire hanging), [ ] destroyed the garage area and broke rafters, [ ] taking down all the mini blinds to threw them on the garage floor, [ ] ripped the door knobs from the doors (completely destroying the doors) [ ] then threw the door knobs on the floor, [ ] ripping out the baseboard heaters leaving gaping holes in the floors and walls, [ ] sawed off all the copper plumbing, tearing out drywall to get to it. The bank that won the auction ended up listing the home for a jaw dropping $33,000! Mr. AngryHomeOwner went through an awful lot of hard work to throw this temper tantrum after paying $175,000 just the year before and my questions are this: IS THERE ANY ADVANTAGE WHATSOEVER for this type of temper tantrum on the house owner in default was about to vacate? Obviously he needed to vent some frustration but does he GAIN anything from this type of behavior? Obviously the bank will now get a fraction of what they paid at auction at a massive $80,000 loss from just a few months ago. Who does this financially hurt? Him or the bank? Can this guy be held financially responsible for his destruction to the now bank owned property he was living in? Does the rightful owner, the bank, have a right to go after this guy for thier loss? Or does the bank just chalk this up to a "bad investment" and the home owner gets away with this vandalism free and clear? If this is the case why would a bank (or anyone) bid on a foreclosed home at auction with this type of considerable risk? Can anyone help me understand when the ramifications of this type of behavior would be? What would keep everyone from gutting their own homes when faced with eviction from foreclosure? I know there are several question here to be answered but I'm at a complete loss as to why someone would do this and at what cost they face for doing such a thing.... To Oh Yea: Yes, you are corrrect ---- however this questions isn't addressing what I have to pay for repairs. I am aware of the great bargain I stumbled upon. My question is WILL THIS GUY be held responsible by the bank for his damage he inflicted on this house and their loss because of HIS actions??? To v.b. You say he should be sued. I think I agree but would the bank actually go though that process or just chalk it up to as loss and bad investment? Why would banks bid on foreclosure auction if people can do this and get away with it???? SIMPLIFIED QUESTION: I guess the question really is: if a guy was down on his luck and about to lose his home to foreclosure, what would deter him from making a few bucks by ripping out all the fixtures and copper to sell on the street? Exactly WHAT does this guy have to lose at this point? I agree with the person who says that foreclosure laws EXPECT adult behavior but desperate times call for desperate means -- this guy was either extremely ticked off or was completely desperate for some cash.... but that wouldnt explain why the senseless vandalism to the doors and electric wiring. I am just wondering what can happen to this poor schmuck for taking out his frustrations on this house! I guess it's anyone's guess. TO iluvmyson6: You hit the head on the nail! I was speaking to a friend at work who told me that he has heard of something called "foreclosure shopping." NOt what you might think. A group of guys will cruise the "nicer" neighborhoods and look for the tell-tale orange foreclosure sticker you often see on the window or door of a vacant home. They then walk in and help themselves to whatever they need. OR strip the place and list the items on Craigslist. THIS is what has become of the American dream. With that said. I highly doubt theives would have wasted their time unbolting miniblinds to throw on the floor or cut wires and leave them hanging. But I hear ya! No wonder this country is in trouble.... TO Apple Pie: What are you getting at in referance to mortgage insurance? Or did you mean Home Owners Insurance? For me to file a claim for repairs would be fraud. I purchased the property AS-IS which means I knew before I bought it that it was in a state of disrepair. HOWEVER, your parents WOULD have a claim for repairs their renter inflicted since they owned the property at the time the damage was done.... Good luck to you. TO Oh yea: I can empathize his sadness at having to leave his home of just over one year... but I STILL just cannot understand what would make a person DESTROY his once lovely home. Still looking for the answer to what will the bank do to this guy who just cost them a cool $80 grand over an inmature temper tantrum? Like many have said in their answers: It was HIS home when he destroyed it. I know that I would not allow my mortgage lender to tell me which cabinets to install or which fixtures to tear out. And they could not tell me that I cannot rip out my miniblinds and dance a little happy dance on them in the middle of my garage floor while slicing all the electrical wiring to the beat of the music. So I guess when the bank bid on the property at sheriff's auction, they purchased it at $113,000 AS-IS which I guess means: AS-IS = destroyed. In hopes that the guy would have left it in livable condition. ALSO- How could the bank/legal owner PROVE that it wasn't theives that did the damage to this home after Mr. HomeOwner vacated the property? Right? This seems to make sense. Anyone have any other opinion on this subject? I'm surios to hear from you!

The Ramsey 3 step bail-out solution? On the Dave Ramsey website I found this plan. In a way it sounds very good. Maybe too good. I actually like it so far, Can you take a look at it and tell me what you see that is wrong? Could ti really be this simple? Or this cheap? Here it the text of the plan. I will list the link below. The Common Sense Fix Years of bad decisions and stupid mistakes have created an economic nightmare in this country, but $700 billion in new debt is not the answer. As a tax-paying American citizen, I will not support any congressperson who votes to implement such a policy. Instead, I submit the following threestep Common Sense Plan. I. INSURANCE a. Insure the subprime bonds/mortgages with an underlying FHA-type insurance. Government-insured and backed loans would have an instant market all over the world, creating immediate and needed liquidity. b. In order for a company to accept the government-backed insurance, they must do two things: 1. Rewrite any mortgage that is more than three months delinquent to a 6% fixed-rate mortgage. a. Roll all back payments with no late fees or legal costs into the balance. This brings homeowners current and allows them a chance to keep their homes. b. Cancel all prepayment penalties to encourage refinancing or the sale of the property to pay off the bad loan. In the event of foreclosure or short sale, the borrower will not be held liable for any deficit balance. FHA does this now, and that encourages mortgage companies to go the extra mile while working with the borrower—again limiting foreclosures and ruined lives. 2. Cancel ALL golden parachutes of EXISTING and FUTURE CEOs and executive team members as long as the company holds these government-insured bonds/mortgages. This keeps underperforming executives from being paid when they don’t do their jobs. c. This backstop will cost less than $50 billion—a small fraction of the current proposal. II. MARK TO MARKET a. Remove mark to market accounting rules for two years on only subprime Tier III bonds/mortgages. This keeps companies from being forced to artificially mark down bonds/mortgages below the value of the underlying mortgages and real estate. b. This move creates patience in the market and has an immediate stabilizing effect on failing and ailing banks—and it costs the taxpayer nothing. III. CAPITAL GAINS TAX a. Remove the capital gains tax completely. Investors will flood the real estate and stock market in search of tax-free profits, creating tremendous—and immediate—liquidity in the markets. Again, this costs the taxpayer nothing. b. This move will be seen as a lightning rod politically because many will say it is helping the rich. The truth is the rich will benefit, but it will be their money that stimulates the economy. This will enable all Americans to have more stable jobs and retirement investments that go up instead of down. This is not a time for envy, and it’s not a time for politics. It’s time for all of us, as Americans, to stand up, speak out, and fix this mess. So whatbdo you think?

The 3 step bail-out solution? On the Dave Ramsey website I found this plan. In a way it sounds very good. Maybe too good? I actually like it so far, Can you take a look at it and tell me what you see that is wrong? Could it really be this simple? Or this cheap? Here it the text of the plan. I will list the link below. The Common Sense Fix Years of bad decisions and stupid mistakes have created an economic nightmare in this country, but $700 billion in new debt is not the answer. As a tax-paying American citizen, I will not support any congressperson who votes to implement such a policy. Instead, I submit the following threestep Common Sense Plan. I. INSURANCE a. Insure the subprime bonds/mortgages with an underlying FHA-type insurance. Government-insured and backed loans would have an instant market all over the world, creating immediate and needed liquidity. b. In order for a company to accept the government-backed insurance, they must do two things: 1. Rewrite any mortgage that is more than three months delinquent to a 6% fixed-rate mortgage. a. Roll all back payments with no late fees or legal costs into the balance. This brings homeowners current and allows them a chance to keep their homes. b. Cancel all prepayment penalties to encourage refinancing or the sale of the property to pay off the bad loan. In the event of foreclosure or short sale, the borrower will not be held liable for any deficit balance. FHA does this now, and that encourages mortgage companies to go the extra mile while working with the borrower—again limiting foreclosures and ruined lives. 2. Cancel ALL golden parachutes of EXISTING and FUTURE CEOs and executive team members as long as the company holds these government-insured bonds/mortgages. This keeps underperforming executives from being paid when they don’t do their jobs. c. This backstop will cost less than $50 billion—a small fraction of the current proposal. II. MARK TO MARKET a. Remove mark to market accounting rules for two years on only subprime Tier III bonds/mortgages. This keeps companies from being forced to artificially mark down bonds/mortgages below the value of the underlying mortgages and real estate. b. This move creates patience in the market and has an immediate stabilizing effect on failing and ailing banks—and it costs the taxpayer nothing. III. CAPITAL GAINS TAX a. Remove the capital gains tax completely. Investors will flood the real estate and stock market in search of tax-free profits, creating tremendous—and immediate—liquidity in the markets. Again, this costs the taxpayer nothing. b. This move will be seen as a lightning rod politically because many will say it is helping the rich. The truth is the rich will benefit, but it will be their money that stimulates the economy. This will enable all Americans to have more stable jobs and retirement investments that go up instead of down. This is not a time for envy, and it’s not a time for politics. It’s time for all of us, as Americans, to stand up, speak out, and fix this mess. So what do you think? Here is the link to the site: http://www.daveramsey.com/etc/fed_bailout/index.html

Who's political platform is this? 1. Immediate Relief 1.1 A moratorium on foreclosures and evictions. 1.2 Reset mortgages so payments are affordable. 1.3 No bailouts for banks. 1.4 Extend unemployment compensation, increase payments and eligibility. 1.5 Increase food stamps, WIC, children's health ins., low income energy assistance. 1.6 Assist state and local governments. 1.7 Fund "ready-to-go" infrastructure projects. 2. A Peacetime, Green Jobs Economy for All 2.1 Enact massive public works. 2.2 Make existing buildings energy efficient. 2.3 Construct new schools, affordable housing, mass transit and bridges. 2.4 Major clean, affordable energy dvpt project for solar, wind, and biomass. 2.5 Program to cut greenhouse gas emissions, environmental cleanup. 2.6 Restore energy regulation and public ownership of utilities. 2.7 Enact the Employee Free Choice Act. 2.8 Enact HR 676, US National Health Insurance Act, single payer. 2.9 Fund public education, pre-school through higher and technical. 2.10 No privatization of Social Security or Medicare. 2.11 Expand and improve SS & Medicare benefits. 3. Restore Civil Rights, Bill of Rights, Separation of Powers 3.1 Restore Civil Rights Act enforcement, affirmative action. 3.2 Outlaw hate crimes. 3.3 Preserve Roe v Wade. 3.4 Immigration reform with path to citizenship, no militarization of borders. 3.5 No exploitative guest worker programs. 3.6 No human being is illegal. 3.7 Repeal the Patriot Act. 3.8 Investigate and prosecute Bush administration violations. 3.9 Expand voting rights. 3.10 Enact publicly financed elections. 3.11 Same-day registration. 3.12 Voting rights for ex-felons. 3.13 Restore Fairness Doctrine in media. 4. Strength through Peace 4.1 Withdraw US troops from Iraq with no bases or US corporations left behind. 4.2 Full care for returning veterans. 4.3 No war on Iran. 4.4 No expansion of troops in Afghanistan. 4.5 Assistance to Iraq to rebuild Iraq. 4.6 New foreign policy of diplomacy, respect for all nations. 4.7 Renew commitment to UN. 4.8 End trade policies that enrich corporations and destroy jobs. 4.9 Ratify Kyoto Treaty and other climate change agreements. 4.10 Enforce nuclear non-proliferation. 4.11 Work to abolish nuclear weapons. 4.12 Cut Pentagon spending in half. 4.13 Close down US bases around the world. Where did I get this list from? This is actually the current Platform of the Communist Party USA..straight from Their Website! Aside from a few items, What's The Difference between this and the democrats of today? http://www.americanthinker.com/2009/03/bingo_call_it_communism_1.html 4.2 Full care for returning veterans. This I Agree With but I don't trust their Words or their Motives! 1.6 Assist state and local governments. How about stop taking their damned money in the first place and then they could afford to get things done Themselves! Without Fedzilla wasting half the money through graft and corruption!

is now the time to buy? I own a few properties paid free and clear....and ive just been noticing a HUGE dramatic decrease in home prices where I live, Fresno, CA, central valley. Homes that were priced at 100K six years ago WERE selling for 220-280K 3 years ago, and now all of a sudden they're down to 120-130K Ive noticed this in my town along with a city thats an hour from the coast, everything is dropping big time, so is now the time to buy??? ALSO: I spoke with a gentlement who purchased a BANK OWNED home, it had already gone through foreclosure, didnt sale, and now it is listed. 3 years ago it was bought and foreclosed on at the price of 275K and he just purchased it from a realtor for 75K after making a lowball offer at 67K, and the listed price was 85.... Let me know what your professional input is. I have been active in real estate for quite a few years, although I am not a realtor and do not ever plan on being on. Thanks you

Buying a foreclosed home at auction In Northern California - advice please? My husband and I have been following a house that has just had its auction date listed for later this month. It was originally on the market for $479,000.00. We went to look for a laugh and it was WAY over priced. This was later reduced to $419,000 which we discovered was the amount owing. We started working on the owners and the bank with a short sale - the bank valuation came back at $319,000. We offered $300,000 and it was accepted. During this time we had a full inspection done as our families are builders and contractors and realized that the house was a tear-down essentially as it needed new ceilings, roof, foundations, flooring and had wood rot and mould. We retracted our offer and the property moved into foreclosure. I still love the land it is on, and so if we can get for a good price we would like to tear down the house and rebuild. Our family is helping us as this is our first house and we have a line of credit available. 1) Do banks set a minimum bid or does the lowest bid get it. They have not posted an opening bid yet. (we have a figure in mind that is market value for a comparable piece of unimproved land) 2) Can you speak to them beforehand and make an offer so to avoid the auction day? (this is not a property that is likely to have more than one bidder) 3) We have been told we need to pay cash, but when? If it is on the day then how do we know how much to get a check for? Can we put down a deposit on the day and then pay the balance? 4) Does an auctioned house come with free title? That was one thing we couldn't make sure of before bidding. 5) Someone told me that the owners have a certain amount of time after the auction to pay up and get the house back - is this right or is the house mine from the time the money changes hands? Thank you very much for any help you can give us! Mike - In the case where a house is 'upside down' do the banks still do the same thing?

How can I get rid of a house I no longer want? My mother in law bought the house I lived in with my husband and family in 1996. She died in 2004, and my husband inherited her property. A friend of his told my husband that until you settle the estate through the courts, you don't have to make the house payments. HA, HA, that wasn't true. So my dumb husband does not make the payments, and the house goes into foreclosure, which he didn't even try to stop...he never even opened the court papers...it was a default judgment. I knew nothing about this; he never told me, and since the mortgage was still in his mother's name, all the paperwork went to the house she had lived in, and I didn't see it. So, the house came within 24 hours of being sold at sheriff's sale. My husband declared emergency bankruptcy. He then dismissed it and went through Loss and mitigation with the mortgage company...BUT...he never took his mother's name off the mortgage. Then, he died suddenly last February, just as the original Loss and Mitigation agreement was coming to an end. I called to explain the situation to them, and the company told me to keep making the payments until they told me otherwise. In May, they put me on the "Obama plan" and told me it would run out in December...BUT...despite the fact that I sent several death certificates in to them, and talked to them, my late mother in law is STILL on the mortgage, and the company still calls and asks to speak to her. The furnace quit in October, a high pressure pipe burst at the beginning of November, the house needs MANY repairs, since my late husband was a do-it-yourselfer who used duct tape to hold everything together. Last month, my 3 kids and I couldn't stand it any longer, since there was no heat, no hot water, (the hot water tank went too), and we had to keep the water shut off until we needed it because the pipe leaked. There was no money for repairs, since my husband left no insurance, no money, and nothing but unpaid debts. So we moved into an apartment. I can't sell the house, the area I live in has so many houses for sale it's not funny. I am not listed as the owner, my husband's name is still on the property, and I’m not on the mortgage. Can I just turn the property over to the bank, and leave it at that. I don't want anything more to do with it. I hate it, and I just want to be free of it. Since I don't own it, or am not on the mortgage, and my husband left no estate worth speaking of, can I hand over the keys and walk away. I live in Ohio.

who is the best person to lead our country doing these tough economic times? please have an open mind and read these facts first! Barack Obama # can't do anything at home with $12 billion a month on Iraq. (Feb 2008) # Protect consumers with Credit Card Bill of Rights. (Feb 2008) # More accountability in subprime mortgages. (Feb 2008) # Bush stimulus plan leaves out seniors & unemployed. (Jan 2008) # Voted against limiting credit to 30%, because 30% too high. (Jan 2008) # Account for every single dollar for new proposed programs. (Jan 2008) # Help the homeowners actually living in their homes. (Jan 2008) # Bankruptcy bill pushed by banks &. (Jan 2008) # Lack of an energy policy is a financial burden. (Jan 2008) # Bush & GOP dug budget hole; need years to dig out. (Dec 2007) # Save $150 billion in tax cuts for people who don't need them. (Dec 2007) # Take China "to the mat" about currency manipulation. (Dec 2007) # Rejects free market vision of government. (Oct 2007) # Regulate financial instruments to protect home mortgages. (Aug 2007) # Government regulation needed for when markets fail. (Aug 2007) # Return to PayGo: compensate for all new spending. (Oct 2006) # Bush's economic policies are not working. (May 2004) # Supports federal programs to protect rural economy. (May 2004) # Voted NO on paying down federal debt by rating programs' effectiveness. (Mar 2007) # Voted NO on $40B in reduced federal overall spending. (Dec 2005) # Get minorities into home ownership & global marketplace. (Jan 2001) # Require full disclosure about subprime mortgages. (Dec 2007) # Reform mortgage rules to prevent foreclosure & bankruptcy. (Feb 2008) John McCain * These are tough times; we need changes; so keep taxes low. (Aug 2008) * Can't pass trillions of dollars of debt to our children. (Jul 2008) * GovWatch: Specified cuts are $10B, not $100B. (May 2008) * Bailing out Bear Stearns necessary to protect economy. (Apr 2008) * Key is to not to bail out homeowners who speculated. (Apr 2008) * Things are tough now, but we're better off than in 2000. (Jan 2008) * May have to go further to fix the subprime lending situation. (Jan 2008) * Recession is partly psychological and not inevitable. (Jan 2008) * I'm well-versed in economics; I was at the Reagan Revolution. (Jan 2008) * FactCheck: Said--then denied--he needed economics education. (Jan 2008) * Impose some fiscal discipline to revive the economy. (Jan 2008) * Will be able to reduce war costs & have a stable Middle East. (Jan 2008) * Reform insurance to cover violent weather patterns. (Jan 2008) * To avoid recession, stop out-of-control spending. (Jan 2008) * Loss of economic strength leads to losing military strength. (Dec 2007) * Republicans have forgotten how to control spending. (Nov 2007) * AdWatch: Outrageous to spend $233M for bridge to nowhere. (Nov 2007) * FactCheck:Bridge-to-Nowhere never built; would serve 200,000. (Nov 2007) * FactCheck: Criticized "Woodstock museum," but skipped vote. (Nov 2007) * Congress spends money like a drunken sailor. (May 2007) * Veto all pork-barrel bills and announce pork spenders. (May 2007) * Use veto power to reduce government spending. (Jan 2000) * Distribute surplus: 23% tax cuts; 62% Social Security. (Jan 2000) * $9B of pork in current budget bills; cut subsidies. (Oct 1999) * For Balanced Budget Amend., & off-budget Social Security. (Jul 1999) * List of budgetary spending priorities. (Jul 1998) * Supports Balanced Budget Amendment. (Jul 1998) * Apply surplus to Social Security, Medicare, tax cuts & debt. (Jul 1998) * Voted YES on $40B in reduced federal overall spending. (Dec 2005) * Voted NO on prioritizing national debt reduction below tax cuts. (Apr 2000) * Voted YES on 1998 GOP budget. (May 1997) * Voted YES on Balanced-budget constitutional amendment. (Mar 1997) * Maintain & enforce existing spending caps in the future. (Sep 1998) i got this info from www.ontheissues.org

REO listings in Tennessee? I am trying to find a way to view REO/foreclosure listings in my area. I have searched myself and i find many with a "free trial" but of course they want my credit card number and I refuse to go down that road. It seems to me that banks would not like to carry the cost of a house on their p&l so therefore would make listings available to the public so they may be purchased. I have looked on the HUD website and it is no help. I thought this might be a way to get more house for my money but its becoming a headache. I want valuable information please, so take your time and research your answer. ALL answers will be appreciated. Please help! I am about to give up and just look at agent listed homes!

Tenants in a Short Sale trying to buy!? We are the Tenants of a unit that is up for a Short Sale. We put an all cash bid down. We need help with the Terms of the continued occupancy during the sale process. 1) Our lease ends on 6/10/09 2) The Trustee owes $378k 3) Notice of foreclosure was set for 5/5/09, she got it extend the day of to 6/19/09. 4) She applied our deposit to the last month of or rent 5) She owes us a total of $400 deposit for our dog and keys 6) She is offering to give us the last month's rent when the unit goes into escrow 7) We pay $1395 a month 8) The unit is currently listed at $204k 9) We put an all cash bid of $175k A) Should we ask for a reduction of rent? Say down to $1000? B) What if the unit does go into foreclosure? We won't get that last month's rent free that she is offering us. We live in CA so we understand that in the event of a foreclosure we get a 60 days' notice to vacate the property upon recipe of a written notice. What kind of concessions/guarantee should we ask from our trustee/owner? C) Since we put down a all cash deposit, how willing and cooperative should we be in letting her show it to other people. I understand that we DON'T have to let anyone in to see the place. What would benefit the process of our sale D) Why would the banks only give a 44 day extension? Would they likely extend it again? E) Anything else we need to consider?

Where to call and how to find foreclosure home listings? I am looking to find a foreclosure or bank owned foreclosure homes in New Jersey. Does anyone know a free toll free number or a really good site where i can get listing of the homes in different counties? or has anyone tried doing any foreclosure listings and what sites or places did you guys call?..........thank you very much.

Where to call and how to find foreclosure home listings? I am looking to find a foreclosure or bank owned foreclosure homes in New Jersey. Does anyone know a free toll free number or a really good site where i can get listing of the homes in different counties? or has anyone tried doing any foreclosure listings and what sites or places did you guys call?..........thank you very much.

The 3 step bail-out solution? I am asking the same question yet again because I an honestly looking for more feedback. I have received some that I like, but so much is based on emotions and not facts. How about some facts! I do not like the idea of giving a hand out to anyone. but lets face facts-there is going to be some type of program passed-congress just can't pass it up. They LOVE doing this stuff! If I have to have a bill forced on me, this is the idea I like best so far. On the Dave Ramsey website I found this plan. In a way it sounds very good. Maybe too good? I actually like it so far, Can you take a look at it and tell me what you see that is wrong? Could it really be this simple? Or this cheap? Here it the text of the plan. I will list the link below. The Common Sense Fix Years of bad decisions and stupid mistakes have created an economic nightmare in this country, but $700 billion in new debt is not the answer. As a tax-paying American citizen, I will not support any congressperson who votes to implement such a policy. Instead, I submit the following threestep Common Sense Plan. I. INSURANCE a. Insure the subprime bonds/mortgages with an underlying FHA-type insurance. Government-insured and backed loans would have an instant market all over the world, creating immediate and needed liquidity. b. In order for a company to accept the government-backed insurance, they must do two things: 1. Rewrite any mortgage that is more than three months delinquent to a 6% fixed-rate mortgage. a. Roll all back payments with no late fees or legal costs into the balance. This brings homeowners current and allows them a chance to keep their homes. b. Cancel all prepayment penalties to encourage refinancing or the sale of the property to pay off the bad loan. In the event of foreclosure or short sale, the borrower will not be held liable for any deficit balance. FHA does this now, and that encourages mortgage companies to go the extra mile while working with the borrower—again limiting foreclosures and ruined lives. 2. Cancel ALL golden parachutes of EXISTING and FUTURE CEOs and executive team members as long as the company holds these government-insured bonds/mortgages. This keeps underperforming executives from being paid when they don’t do their jobs. c. This backstop will cost less than $50 billion—a small fraction of the current proposal. II. MARK TO MARKET a. Remove mark to market accounting rules for two years on only subprime Tier III bonds/mortgages. This keeps companies from being forced to artificially mark down bonds/mortgages below the value of the underlying mortgages and real estate. b. This move creates patience in the market and has an immediate stabilizing effect on failing and ailing banks—and it costs the taxpayer nothing. III. CAPITAL GAINS TAX a. Remove the capital gains tax completely. Investors will flood the real estate and stock market in search of tax-free profits, creating tremendous—and immediate—liquidity in the markets. Again, this costs the taxpayer nothing. b. This move will be seen as a lightning rod politically because many will say it is helping the rich. The truth is the rich will benefit, but it will be their money that stimulates the economy. This will enable all Americans to have more stable jobs and retirement investments that go up instead of down. This is not a time for envy, and it’s not a time for politics. It’s time for all of us, as Americans, to stand up, speak out, and fix this mess. So what do you think? Oops-I forgot the link! Look under Common Sense Fix: http://www.daveramsey.com/etc/fed_bailout/index.html

Where can I find free bank foreclosure listing websites?

how do i find bank foreclosure lists for free? i live in indiana

Where to get free listing for foreclosure homes? I don't want free trial web site because they still ask for credit card information. I want totally free listing for home that are -foreclosure -short sales -bank owned I am especially interesting in California Bay Areas (San Francisco, Oakalnd, Emeryville, etc) Thanks very much for any one who can help on this!

Free foreclosure listings? I'm trying to find a website that lists FREE (not free trial) home foreclosure listings, either by bank or auction. Can anyone provide a website? I live in Pittsburgh PA by the way if it matters. Again, seeking entirely free listings. Thanks.

How can I locate bank owned homes in my area? I'm looking for a free website that is either operated by a reputable bank or by government institution that lists properties in foreclosure. I don't want a site that has links to other sites. Any other suggestions are also welcome, thank you!

How can one obtain foreclosure info? I am looking to buy a foreclosure in the future. I do not want to pay for a service to find foreclosures. Will a bank give you the list for free?

How do I find foreclosures in Oregon (maybe Coos Bay) -- without giving out my credit card to a service? My wife and I are moving back home from Tennessee to the Coos Bay, Oregon area and we would like to look at what foreclosures are available. I know there are several services that take your credit card and give you a list -- but I am wondering if there's an easier/free way to do it? I doubt a realtor is going to tell you because they work off a percentage and there really isn't a "seller". Do I go to the court house? A bank? Is there a government entity that handles this? Thanks for your time! Robert

Where to get free listing for foreclosure homes? I want totally free listing for home that are -foreclosure -short sales -bank owned I am especially interesting in California Bay Areas (San Francisco, Oakalnd, Emeryville, etc) Thanks very much for any one who can help on this!

What is a good free website that lists local foreclosures and bank auctions?

do you still think MCCain would be the better president. Please read on give your opinion? Unfair but “probably” legal, using foreclosure lists provides cheap and effective strategy for McCain campaign Last week we reported about Republican plans to use home foreclosure lists to block voters from the polls after James Carabelli, chair of the Macomb County Republican Party, told Michigan Messenger that on election day Republican volunteers will “have a list of foreclosed homes and make sure people aren’t voting from those addresses.” Republican leaders have since disavowed plans to use foreclosure lists as part of their plan to challenge the eligibility of some voters, but an attorney for the party, Eric Doster, did confirm that the party would use returned mail to challenge voters based on residency. As veteran Republican activist Allen Raymond told Michigan Messenger in a recent interview, holding down Democratic turnout is a key part of Republican strategy for victory in November. Raymond knows about Republican campaign tactics. For almost a decade he managed campaigns for Republicans running for state and national office. In the 2002 New Hampshire elections, he ran a phone-jamming operation aimed at blocking elderly people from arranging rides to the polls, an illegal action that he says was approved by the highest levels of the party. He spent three months in federal prison. Earlier this year Raymond published a book about his life and work as a Republican operative, titled “Confessions of a Republican Operative: How to Rig an Election.” As for our report that the Michigan GOP planned to use foreclosure lists to block likely Democratic voters, Raymond said: “It’s a very good tactic. It works.” “It is actually a very smart thing to do,” he went on, “particularly in this climate with so many foreclosures.” For Republicans, he said, targeting the foreclosures would be a cost-effective and “probably” legal method of reducing Democratic votes. If he were still in the election business, he said, “I’d be doing that all day long.” Raymond explained how he would use foreclosure lists. “You would go into certain geo-political areas and make a selection based on voter history and performance, and then what you would do is look for foreclosures within those geopolitical areas, and you would mail letters, and then those letters would come back and say that that person’s not there any more because their house has been foreclosed on, and they get challenged,” he said. He explained why it makes sense for Republicans to seek to disqualify people who have lost their homes. “If you look at who is being foreclosed upon, it is going to be sub-prime [borrowers]. Sub-prime [borrowers] are generally going to be low-income people, and low-income people are generally going to be Democratic voters.” “You got to remember this is a cost-per-contact business,” he explained. By targeting households in foreclosure, for the price of a letter and first-class postage, Republicans get a high rate of return, because people in foreclosure are very likely to move and to have their mail returned. Raymond estimated that people might have moved out of as many as a third of homes listed as foreclosed. “That is a huge number,” he said, noting that people enduring the stress of foreclosure are not likely to think to change the address of their voter registration. Raymond said that, barring some legislative action, Republicans will be free to challenge people who’ve lost their homes at the polls. “They will get challenged and they will get denied,” he said. Raymond admitted the practice is not fair to people facing foreclosure. “You can call them a victim or a bad businessperson in terms of their personal finances,” he said. “Whatever you call them, they still should have the right to vote.” On Friday the McCain campaign refused to meet with members of the Jobs with Justice campaign and the Association of Community Organizations for Reform Now, which came to deliver a letter opposing using foreclosure lists to challenge voters. The McCain/Palin Great Lakes campaign headquarters is located in Farmington Hills in the Trott Financial Center. The law firm Trott & Trott specializes in representing banks in foreclosures. The office building is also home to Trott & Trott’s subsidiary American Processing Company, LLC which uses proprietary software to provide mortgage default processing services nationwide. the source -michigan messenger for those that think this is a rant , so be it. You all are not seeing the whole picture and deserve all that you get in the end. It never hurt, or its never felt until its at your front door. reap what you all sow.