Buying foreclosures isn't the easy way to find your 1st house. Clearly the attraction is potentially receiving a great value but you have to ask yourself if it's worth the rejection & heartache along the way. There are so many great values out there today and nothing stopping buyers from making an even lower offer on homes owned by motivated sellers. Find yourself a good buyers agent and concentrate on listings with lot's of days on market and make the offer you qualify to purchase and see what happens. At least you will have immediate answers from the buyers without having to wait endlessly for a bank's reply. If you would like the names of buyers agents skilled in making seller concession offers please call.