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There are many different properties that people label as "foreclosures". Some variants are pre-foreclosures, lis-pendens, etc.

What many people a true foreclosure, the type they can get deep discounts on, is a property that the mortgage lender has won the right to reposes. In many states this happens in the court system.

The mortgage lender is awarded a judgment and the property goes up for auction at a sheriff sale where the public can bid on it.

Most states have requirements that certain aspects of the foreclosure process are made public. Usually via public notices. You can also find listings at County Clerk's office and when a property is scheduled for auction the Sheriff will post notices in the local newspapers about the sale as well as maintain a list of properties that have been foreclosed.

There are various sites on the internet that collect this data that you can search. The majority seem to be sites you have to pay for. I'm in Northern NJ and there's a free site which I visit that lists NJ foreclosures. http://www.bergenjerseyforeclosures.com

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13y ago

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