If it's sold, the new owner would be contacting you directly. Have they done that?
If it's still in the foreclosure process, i.e. you received a notice of Trustee Sale, then contact an experienced realtor who works lots of short sales. They can work with you to negotiate with your lender. As you've been delinquent for so many months, I'm not confident you can now negotiate a loan modification but a short sale would be much better for you than a foreclosure. A loan modification and a short sale require the exact same paperwork. Get it prepared and to your loan servicer as soon as you can to ask.
The ultimate answer lies with the investor who owns your loan. There's no reason not to ask, and get the answer from the source and not just assume.
Please just get on the phone and call. Ignoring this only creates more stress.... more
Your agent can look the property up on the county tax records to possibly find out who is supposedly on title, if the transfer took place at least a couple of weeks ago. The fact that there is no agent # or contact information - not even "in case of emergency call 916-555-1212" means that the seller is not ready to sell yet. The point of putting an offer in to a seller who is not ready to look at offers yet is....... what?
The positive thing your agent can do is to place an email alert on the MLS so both you and she will be notified as soon as the property is listed in the computer. It is also smart to drive by the house on occasion to see if there is any new signage or workers who might be able to tell you who owns it, and more importantly who is the planned listing agent. Sometimes the listing agent is chosen weeks ahead of the actual coming out party, but they don't tell the world because the seller won't look at offers yet.... more
It will depend on the depth of services you plan to offer and your county. Contact your County Clerk's office and let them know the type of business you plan to start. They should be able to guide you.
Cassandra, Foreclosure Cleanup, LLC, Atlanta, GA... more