I have yet to see a house that was cheap enough or special enough to justify the risk and aggravation involved with buying a foreclosure or a short sale. There are TONS of dumpy homes priced below market value on the market, where you can deal with the seller and not a bank. Buy one of those instead.
Don't Let Them Make a Monkey Out of You!
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Have you been pre-qualified for a loan yet? I think, that would be the first step. We have properties in Henry County priced pretty reasonably. Call a local lender and see what they can do for you. I do not recomment online loans.
Birgit Delaidatti, Real Estate Agent