If you are a first time home buyer, please be aware that the present $8000 home credit is set to expire at the end of this year. That alone is a great discount when purchasing, but taking action now is important. There is a possibility that this tax credit will be extended, though there is a great likelihood that the amount of the credit will lower.
Look at The Hook's foreclosure website to see what properties are going to auction. As far as liens, you have to order a title search or go down to the court house and see what has been filed. It's public knowledge, but Charlottesville doesn't display the documents online as many other cities do. There are some agents that work with the banks and if you search their listings you can see what properties are bank owned as well, but you have to have a real estate agent that you are working with to facilitate that! Best of luck!
Keller Willilams Realty