Is there a way for the general public to find out the mortgage status on a home? ie, is the owner current, is it in foreclosure, etc...

Asked by Tjsturgeon, Tampa, FL Sun May 27, 2012

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Erek Kirsten, Agent, Tampa, FL
Mon May 28, 2012
Other than the fact that you can look up a foreclosure, there are a whole lot of ill-informed statements of fact and opinoins below.
0 votes
Lynn Brock, Agent, Sarasota, FL
Mon May 28, 2012
Tjsturgeon, the only information that can be determined is by a publically recorded lis pendens with the county clerk of circuit court. this does not mean that the property is for sale, if the owner is working with the lender regarding a forebearance, working on a loan modification or a bankruptcy.

Usually owners in receipt of a lis pendens are doing everything that they can to keep the property.

There is no way to determine if a property is one, two or three months behind in payments. Sarasota and Manatee counties have online bidding for properties being sold at "the court house steps'.

If you are interested as an investor, you could also consider buyiing tax liens or mortgage notes.

A distressed property is like a butterfly. It is in the catepillar stage or behind on payments, then goes into a cooccon and is unavailable for any one to purchase. This phase could last for years. When it emerges as a buttefly (although a distressed property is not as pretty) it may be sold at auction or repossessed by the lender and sold as a bank owned.

When you purchase a foreclosure, all outtanding liens, judgments, title issues transfer to the new owner. These are pretty high risk purchases. If you purchase a bank owned these issues have been addressed.

Best regards,

Lynn Brock
Brock Realty
0 votes
Alma Kee, Agent, Tampa, FL
Sun May 27, 2012
Also if there is a recent change in ownership, it could be a possible "scam" where the owner was offered a few thousand dollars to give up ownership. Usually a corporation or trust will own the property so if you see it titled in the name of a corporation or trust you may want to be sure the previous owner's mortgage was actually paid off.

Yet another reason why you may want to go ahead and rent in a complex.
0 votes
Alma Kee, Agent, Tampa, FL
Sun May 27, 2012
Hi again,

You can first lookup the owner's name by entering the property address in the upper right hand side of the page:

It will also show the date and price they paid for the property. If they just recently purchased it may not be too risky to hand over money and rent from them.

Then you can go here and do a lookup by the owner's name to see if they have a mortgage and the amount of the mortgage. If they are delinquent it may also show a Lis Pendens (first stage of foreclosure) and you may also see if there are liens from the HOA or condo Assn (if any). Condos and HOAs may also foreclosure and take ownership but hopefully should that happen to you you may then be able to make your rental payments to the HOA/Condo so that's not a big worry.

So I still recommend that you go ahead and suffer and live in a "temporary" apartment complex until you can buy a place and not be at the mercy of rent hikes and also some landlords may not even renew your lease after a year and that's a pain, too.

Good luck and I hope this helps.

All the best,
Alma Kee
0 votes
Lisa Reeves, Agent, Tampa, FL
Sun May 27, 2012
To find out if the property is in foreclosure search the owners name in public record. The notice of foreclosure usually is filed when the owner is 120-180 days late.
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