Most of the others have the correct response. In most cases the Mortgage company can take the property back if has been abandoned. After you find the owner from the county records call them and ask them to secure the property it has been abandoned it might speed up the process.

Your local Realtor should be able to tell you who the owner of record is. The sellers may have defaulted on the loan and it has not yet lost it in a foreclosure action.

You should contact your assessors office and look at the tax card, it will tell you who the owner is. unfortanately some houses do seem to sit for months as the bank has to go through the process to take ownership, clear the title to sell it, assign it to an assett manager who will then assign it to a local broker to get cleaned, appraise it to get a price and then put it on the market. goo dluck with your search.

Jessica
That can be a very complicated question. Most mortgages are not held by the lender that makes the initial loan. The loans are packaged for sale to investors, who buy them. It is also possible that a middle man, such as an investment company, buys the loans, and re-packages them yet again.

When a home goes into foreclosure there is a probably an asset manager that actually is going to be responsible to handle the sale and manage the property until it is sold. There are so many foreclosures that I have heard some taking a year to act.

Be patient. Ask a local Realtor for help. Do not be surprised if they are unable to find out anything.

Jessica,

Ed and Cindy give a good answer for the foreclosure process. If the home is on more than 3 acres or involved in the divorce proceedings the foreclosure may take even longer.

I have access to Jackson County online public records. They were last updated the end of September. If you email me the address I will look.

Jessica once behind 3 months it goes to sheriff sale then there is a 6 month redemption then it should show up on the market. But they may have been trying to sell it thru a short sale which may have slowed things down a bit or if it becomes HUD owned. If you think it is foreclosed check with the county and see if there was a sheriff sale issued and at what price and what bank. If it's in redemption and no one is living there the bank can take back sooner. Due to the amount of them it is taking a bit longer. As for the taxes being owed we always see the banks pay back taxes at closing. But your buyer agent should get you a copy of the title so you can see what the total amount is owning.

Sure Is Go to the town clerks office in that town where the house is and ask them who's the lender holding the house that was foreclosed upon.You might have to give them a description of the house your referring to and the location. But be aware most lenders will make you pay the back taxes on it so you might want to ask how much back taxes that same property has at the same time and then look at what the town clerks office is taxeing on the property in som cases things are gone there taxing on so you want to have them reapraise it first so your following years taxes won't be more then what it should be .have a housing inspector check the house out for you before you make a bid on it to make sure depending where the house is .Has it sat through a winter with no heat in it .if so you want to have the water turned on before you make a bid and look real close at the foundation to ok.