I do not know Where Webster is either?
It is my opinion that 75% of foreclosures are just above a crack house. When you buy a foreclosure you as a buyer give up a lot of rights. Total Buyer Beware. Someone on Trulia just wrote that they as a Realtor bought a foreclosure, and the basement wall caved in and flooded the home. They were left with zero, and did I mention that they were a Realtor.
Now with that said It is my opinion that 1 in 4 foreclosures may be a good deal. This is the last place you want to get cheap advice( discount Realtor) You need to hire a Professional experienced Realtor. You are buying a home from the bank. They have real great lawyers and Realtors working for them.
You cant just take it over. There are many factors at play. What if you just take it over. You start making the payments on their loan? You mail your check to them( previous owner), because the bank dose not know you exist. Three months go by.
Sheriff you used a Realtor.
Now you have taken over someones foreclosure, and now it is in foreclosure, because they have not been sending the paymentsto the bank.
Yes it has happened, and it will continue to happen. This is a buyers market and a con man market.
Again, my advice to you is find a Realtor in Webster( where ever that is, I am sure it is lovely) that you trust.
I hope you find your home.