It never going to happen. As by the time the Lender get to foreclosure they now have poured cash into legal fees, taxes and insurance and any other municipal fines there maybe, If you are interested in a home that is heading for the action you will need to have an Agent to make an offer to the REO department of the Bank.
I would be delighted to provide you with some mortgage options, (this does not require us pulling your credit) that will allow you to make the best decision for your family. I can be contacted via my profile information for a no obligation consultation. My Office hours are 08:00 AM-08:00 PM Mon-Fri and Fri and Sat 08:00 AM-06:00 PM CST.
Capital One Bank
Phone (469) 315-1709