You need follow these steps:
1) Contact a mortgage broker qualify for a lender approval
2) Locate a real estate agent who can work with your personal professional lifestyle to submit a winning offer
3) Buyers agent will follow all contractual terms and conditions thru close.
NOTE: Foreclosures & short sales require your best offer on any property. Research from buyers agent determine best interest for all parties. Not all banks may respond too your offer. If you submit an offer we instruct our buyers we need to keep looking for fall back properties
Home ownership you receive annual tax benefits