Hi Barbara: I can help you. I just spent the afternoon at a Real Estate conference and this was covered in depth. There are several very experienced realtors who have listings of foreclosures and it's pretty much all they do, and I do mean LISTINGS. Tons of them. The one I'm thinking of has no less than 312. It's actually a very streamlined process, and is easier, in terms of paperwork, than a regular purchase (at least in my opinion). It's a bit complicated to go into here, but if you email me, I'll get back to you. I don't know if I'm allowed to put the email/website address of another realtor here, but I'll be happy to give you the info if you want to get in touch. My email is Lsbth@aol.com. I'm with Coldwell Banker, the Malibu Colony office.