how can i know if the house i just rented is in foreclosure? i have thouroughly checked online but nothing shows it is. I just want peace of mind.

Asked by Mmend1217, Miami, FL Tue Apr 3, 2012

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13
Paolarileyi, Home Buyer, Fremont, CA
Tue Aug 18, 2015
It looks like you may be able to search for foreclosure filings by name and address in many states. Some states have additional information on those types of pages like where the property is in the foreclosure process. You can find the foreclosure timelines and process of the state in which the property is locates and anticipate the further status actions.

Here is the info for- http://ForeclosureIQ.com
3 votes
Terry McCarl…, Agent, Cape Coral, FL
Tue Apr 3, 2012
I always recommend renters check with the Clerk of Courts office prior to renting the property. If foreclosure has been filed it will be on record with the Clerk of Courts.
2 votes
Shaukatali K…, Agent, Katy, TX
Thu Apr 5, 2012
Beaware of Scammers in todays market.
Anyone can be in hardship.
Check and do due deligence.
Look for a Realtor and a Title company will be able to check if their is any lien on the house
and also if there is a court order.
Good luck.
0 votes
Cindy Schlee, Agent, Grand Rapids, MI
Thu Apr 5, 2012
Hi Miami -

I would advise you to get a Realtor involved. They can check the past sales records and find the owner. It the house you are renting is a short sale or foreclosure the owner should disclose the information to you. That being said, they home owner or even a third party may be trying to so something illegal. I think contacting the city or county offices but at times they may not even have that information. Just be careful. Thanks

Cindy Schlee, Realtor
Grand Rapids Michiga
616-558-9595
cindyschlee@grar.com
http://www.cindyschlee.com
0 votes
Alma Kee, Agent, Tampa, FL
Thu Apr 5, 2012
The rule is if you are paying "market" rental rates. So if you are getting "below" market rent, the lender may require you to move as soon as 90 days "after" you are served (at your work it may happen, by the way...embarassing!) so I would recommend thoroughly checking out a landlord when renting. Also you may be "named" in the foreclosure lawsuit so you may have to explain why you were named (although it shouldn't be held against you) in a foreclosure lawsuit.

If you can't get your financial in order to become an "owner" then in the future rent in a complex and save, save, save, so you will not have to be at the mercy of landlord for too long. Sorry to be blunt but in this market there are a lot of scammers that will take advantage of tenants.
0 votes
Gisele Zachar…, Agent, Aventura, FL
Thu Apr 5, 2012
Even if your home is under foreclosure, you won't need to leave and nobody can evict you, so it does not matter to you.
0 votes
Steven Epste…, Agent, Coral Gables, FL
Wed Apr 4, 2012
Pay for a title search. I have an title agent who does this for a small fee for your peace of mind. Call me 305546512 or eamil
0 votes
Irina Karan, Agent, Aventura, FL
Wed Apr 4, 2012
Here is the info for Miami Dade county:
http://www2.miami-dadeclerk.com/public-records/Search.aspx

Irina Karan
Beachfront Realty, Inc.
IrinaKaran@gmail.com
0 votes
Yolande Citro, Agent, Miami, FL
Tue Apr 3, 2012
As a renter, you also have your rights. Nobody is going to evict you; there is a new Tenant Act that protects you. Call a real estate attorney who is familiar with foreclosures and you will feel much safer.

http://www.yolandecitro.com/
0 votes
Alma Kee, Agent, Tampa, FL
Tue Apr 3, 2012
If you've already signed a lease agreement the Landlord doesn't have to provide you with a current mortgage statement. This could have been something you required "before" signing your lease but not now.

So also be sure when you are researching the Clerk of Court's records that you have the previous owner's name if the current owner just recently purchased the property. The current owner may have purchased the property and the 1st mortgage may not have been satisfied. You will need the prior owner's name to correctly search.

Alternatively, you may pay a Title Company to do an abbreviated search for you.

Smart thinking on your part!

Also did you know if you have a 620 FICO the State of Florida offers up to $7,500 to First Time Homebuyers to be used for downpayment and closing costs? Take a look:

http://apps.floridahousing.org/StandAlone/FTHBWizard/FTHBWiz…

All the best,
Alma Kee
http://www.SoldOnTampa.com
0 votes
Milton Knight, Agent, Coral Gables, FL
Tue Apr 3, 2012
Just because nothing has been filed with the courts doesn’t mean that the Landlord is not in default to his lender; therefore, in addition to checking the public records you can always ask the landlord (or their agent) that you would like to see a recent mortgage statement demonstrating that all payments are up to date.

Nowadays Tenants need to screen Landlords just as much as Landlords need to screen Tenants. They most likely screened you as a prospective Tenant; therefore, if everything is up to date and you explain why you are asking...they should not have any problem providing you with proof that the payments are current.
0 votes
Luis Mora, Agent, Lakeland, FL
Tue Apr 3, 2012
Did you already ask your Realtor? If not, ask him/her. He/She can get that information for you. If you didn't work with a Realtor, think about it next time...
0 votes
Carlos Ruiz…, Agent, Miami, FL
Tue Apr 3, 2012
Look in your county public records for that property to find out if a Lis Pendes has been filed. The Lis Pendes is the first warning that a foreclosure may be coming. However if you have a written lease the foreclosing bank will honor it or will offer you an adequate relocation fee that you may or may not accept.

Good luck with your rental...but if you have a lease you should be fine...at least in Florida. Don't know about other States.
0 votes
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