As an expert on this, Patrick, I am confused and this doesn't make sense. If there was a sheriff sale, and it really took place, your senior lien holder would now have a sheriff's certificate showing that they bought the house back, and they would have a price on there and they would also be able to tell you the redemption date. And that would be 182 days from the sale date.
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.
Contact an agent such as myself who understands all of the inter workings of "distressed" properties (REO's Bank owned, Foreclosures and short sales) I list bank owned properties as well as short sales and represent buyers and investors on the purchase of short sale and foreclosure properties regularly. I cannot stress how important this is for buyers. It is also very important that the agent you work with knows how to properly value properties and knows how to analyze the condition and quality of homes both new and old.... more