Thank you for your question about a foreclosure home that is not on the market. Foreclosure Radar.com and RealtyTrac publish lien holder and trustee information, however, the best thing to do would be to contact a local agent who can contact them for you.
The Foreclosure process starts when a homeowner cannot pay the mortgage and ends when the home is resold.
The three stages of Foreclosure are: Pre-Foreclosure, Auction, and REO/Bank Owned.
Pre-Foreclosure is the time period a homeowner has to repay the delinquent amount of the mortgage.
If a homeowner does not pay the mortgage the home is auctioned
If the bids do not meet the reserve the lien holder (bank) reclaims the property and it becomes a Bank Owned REO.