You can try contacting the bank directly, but these days, they typically have a process for each asset that they think will maximize their return, and that now involves listing it on the market to the general public, typically on your local MLS via licensed brokers. I list them for BofA for example. However, they do still represent the best discount off market value these days. I am happy to send you some to consider in our area. Also, preforeclosure might be the better way, I can help you track folks down who have received lis pendens notices (>90 days past due) as well, just shoot me a txt, email, web message through Trulia, or call anytime! Happy bargain hunting Eric!