Gloria, contact a buyers agent who can represent your best interest in the Saginaw area and ask them if they work with many foreclosed properties. You want to be sure they have experience with these and they are their own unique animal! They should be able to create an instant email notification of any new bank owned properties hitting the market/MLS for you. They should also be able to compile what is currently available that is bank owned. For HUD listings available in Saginaw visit. http://www.mcbreo.com and type in your zip code or city. Good luck!