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  • September Property Count:
  • Foreclosures: 82,020
  • Motivated Sellers: 4,209
  • Wholesale Deals: 2,302
  • For Sale By Owners: 32,012
  • Private Lenders: 802

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What is a HUD Home?

A home becomes a HUD home when a home loan which was insured by the Housing and Urban Development Board is foreclosed upon. A local realtor is assigned to list and sell the property and submit any offers to HUD. HUD then reviews the offer and decides whether or not to accept, reject, or counter the offer.

What is a pre-foreclosure?

A pre-foreclosure is a home in which filing has been placed at the courthouse initiating the foreclosure process. If the home owner does not make an agreement with or catch up on payments with the lender, the home will be foreclosed upon on the first Tuesday of the upcoming month at the courthouse. Buyers may appear at the courthouse with cash in hand to make bids on the properties. If the home is not purchased at the courthouse, it then gets listed with a real estate agent.

How long before foreclosure takes place?

In most states, a home can legally be foreclosed upon after 3 months... In some states, such as New York, it takes up to 6 months to foreclose on a home.

How much less than appraised value do foreclosures usually sell for?

Banks are not typically motivated to sell for a higher price than what is owed on the property. For example, let's say Bank of America loaned $40,000 on a property, had to foreclose on the home, and it is actually worth $80,000. Bank of America can only keep the $40,000 or so that is owed to them on the property and must give the remaining money from the sale to a goverment fund. Therefore, they are not motivated to get full asking price for the home and will likely list it for less than $80,000. On average, foreclosure homes sell for about 10-30% below appraised value.