She can help you easily and faster than you can learn how.
And, she might know of a property not in foreclosure that you would like to buy.
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If it is already foreclosed, the bank will have it and that can be difficult to track down. Mortgages can be sold many times and unwinding the trail is difficult. Even if you find the right bank, there is the challenge of getting to the right person.
We work with buyers of bank owned if you want further guidance.
Also ... there would have been a public notice in the local paper essentially giving notice that the property could be foreclosing.
Are you thinking of buying the property? Because I can save you a lot of time and trouble. The banks will not talk to individual purchasers, they will only entertain offers on the property once it is listed for sale with a realtor. So, if your purpose is to purchase the property the best thing you could do is work with a local realtor and let them watch for the home to come on the market through your local multiple listing service. I know that is disappointing news, but I and many others have tried to contact banks directly.Unfortunately, it just doesn't work, you will just end up wasting a lot of time and come away very frustrated.