For them to say "it went back to the bank" does not make any sense. So .....
Call your bank, ask for Loss Mitigation, tell THEM that you want to know the foreclosure status of your property/loan, and they will. That part will be simple. You may be transferred to the "recovery department" or "foreclosure department", or something liket that. But you will get your answer in a heart beat.
Usually the bank is the only entity that shows up at Sheriff's sales. The "sale" itself is not so much like an auction with multiple bidders (though sometimes that does happen), it's usually just sort of a "formality" that greases the path for the bank to take possession of your home at some point. Most likely, that's 6 months down the road. In the meantime, you can live there. You may also be able to rent it out, depending on the wording of your mortgage documents. You probably have 6 months to sell it and pay off your mortgage and in some instances, you may be able to sell it for less than you owe, and possibly have your lender agree to accept less than you owe, and consider your mortgage "paid in full".
You really should develop a close relationship with an experienced Realtor and discuss all the details with him/her and simply let them help and guide you. If you would like to discuss how I might be able to help you, call me....but don't wait to start working on this issue...time is important and six months can go by fast....especially if you are looking to sell.
It is quite possible Patrick that your lender postponed the sheriff sale. I see it happen all the time, and you SHOULD be receiving written notice in the mail on this.
However, if the sheriff (or whoever called you) said it went back to the bank than it most certainly did sell. You will be receiving a letter in the mail that outlines:
- What the bid sale amount was
- Who purchased it
- What attorney is handling this for the lender.
But with all this said I have found the easiest path to just go to the website and do the search yourself. It is updated pretty regularly, but I have had to wait 3 days sometimes.
You can certainly contact your lender. It is a pain in the neck speaking with those people, but if you persevere they will tell you if the foreclosure was postponed or not.
It sounds like you have certainly made the rounds on calling people already Patrick with no luck. All I can say is you should have proper documentation of what is happening, and your bank should absolutely be able to tell you what is happening. The court house never lies, because it will show up on the records for the house.