01431 Foreclosures

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Resale
Resale listings comprise homes that are listed with agents and brokers. Trulia works directly with thousands of U.S. brokers who send us data feeds of their listings, tens of thousands of agents who directly submit their listings to Trulia, as well as certain Multiple Listing Services and Web site vendors.

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Listings that are provided by builders and new home listing providers showing current availability in new home communities across the US.

Foreclosure
All foreclosure listings are provided by Realty Trac and display basic foreclosure information. In order to view full foreclosure details, users must register with Realty Trac.

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Recently sold homes represent homes that have sold within the last 9 months and have been recorded as a public record at the local assessor, tax collector or recorder offices across the US.

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Pre-Foreclosure (Notice of Default or Lis Pendens)
The foreclosure process begins when a borrower/owner defaults on loan payments and the lender files a public default notice, called a Notice of Default or Lis Pendens. Buying a property in pre-foreclosure involves approaching the borrower/owner and offering to buy the property outright.

Auction (Notice of Trustee Sale or Notice of Foreclosure Sale)
If the loan is not reinstated by the end of the pre-foreclosure period, potential buyers can bid on the property at a public auction. Buyers often are required to pay in cash at the auction and may not have much time to research the title and condition of the property beforehand; however, a public auction often offers some of the best bargains and avoids the unpredictability of dealing directly with the borrower/owner.

Bank-owned (Real Estate Owned)
If the lender takes ownership of the property, either through an agreement with the owner during pre-foreclosure or at the public auction, the lender will usually want to re-sell the property to recover the unpaid loan amount. The lender will then typically clear the title and perform needed maintenance and repair; however, the potential bargain for these REO homes is typically less than a pre-foreclosure or auction property.