How much do I have to pay to view listings of properties for sell by real estate investors?
Nothing! We don’t charge you to view these listings. You just need to register for free on our website and start searching.

Why do I have to pay for monthly subscription for foreclosure listings?
Listings for pre-foreclosure, foreclosure, bankruptcies, and tax liens are collected from local county records offices and or title companies nationwide. It requires us a lot of time to collect these databases and present all of them in one place to save you time and money going back and forth your local county record offices.

Can I use this website without paying for monthly subscription?
Yes! You can use our database to view homes for sell by real estate investors, homeowners in foreclosure listings, sell your property, and all other tools provided in this website for free. Monthly subscription service is an additional tool that we recommend all of our users for their benefit. However it is totally up to you to make that decision.

Why I need to sign in again to view foreclosure search section?
We provide free and monthly subscription services. When you sign in you will get access to our free nationwide database and you can use all the resources and tools available. But if you want to access our nationwide monthly paid subscription foreclosure search, you need to sign in again to our restricted section. The reason we did this is to insure that you can continue to use our free database in future, even if you decide not to use our paid monthly subscription.

How much will it cost me to place my home for sell on your website?

We offer two packages for homes for sale:

Basic Package: Our basic package for 1 month is only $10, 3 months is only $25. Your home will be displayed on our database for 30 days or 90 days. You can upload 2 pictures and details of your property.

Featured Package: Our featured package for 1 month is only $15, 3 months is only $40. Your home will show up in our featured homes section for 30 days or 90 days. You can add up to 4 pictures, property details, and virtual tour. Main advantage of this package is that your property stands out and you will get more calls from potential buyers.

Sell your Property

• Sell your home fast!
• Flat fee for posting your property for sale
• Basic posting for 1 month only $10
• Basic posting for 3 months only $25
• Basic properties will be display in our main property search page. You can add 2 pictures, description and details of your property.
• Featured posting for 1 month only $15
• Featured posting for 3 months only $40
• All featured properties will be displayed in our Featured listing section. You can upload up to 4 pictures, description and details, and virtual tour of your property.
• Pay no commissions to realtors
• Save thousands of dollars by placing your property for sell with us
• Why sell with us? By posting your property ads on our website
  - Your ad will get maximum exposure nationwide
  - Get your property noticed by other real estate investors, rehabbers, and homebuyers
  - Ad will cost fraction of what it will cost you to place it on realtor’s MLS. (Average MLS listing is $149)
  - You can Avoid paying 6% commission to realtors

Click here to place your home for sale

What are real estate foreclosures?
Real estate foreclosures are properties that have been foreclosed on by lenders because the owners, who have taken out loans to buy the properties, have defaulted on the loan payments. Owners can default on loan payments for a variety of reasons including divorce, illness, death of a spouse, and unemployment. Lenders try to work out some kind of resolution with defaulted owners, but will generally initiate foreclosure procedures after three months of default. Foreclosure properties represent an exciting way to buy real estate because they can be purchased at discount prices, typically between 10% to 50% below market. These discount prices are possible because the property owners, which can be either the borrower, lender, or government agency are motivated to sell them very quickly, often at below market prices. As a homebuyer, you can buy a foreclosure as a home with instant equity. As an investor, you can buy foreclosures as investment properties with built-in profit margins.

What types of foreclosure properties are there?
A foreclosure property exists in three primary stages: pre-foreclosure, foreclosure at the public auction, post foreclosure (REOs). A pre-foreclosure occurs when the lender initiates foreclosure proceedings as the result of a default. If the borrower cannot cure the default by paying off the back payments (arrears) and does not sell the property, it is sold at a public auction. If no one buys the property at the auction, it reverts back to the lender and becomes a Real Estate Owned (REO) property. There is also a fourth stage, which can occur on properties with loans insured by a federal agency such as HUD or Fannie Mae, or guaranteed by the Department of Veterans Affairs (VA). When such properties revert back to the lenders, the agencies reimburse the lenders and take ownership of the properties. The agencies then make arrangements to sell the properties to the public.

How do lenders foreclose on property owners?
Lenders foreclose on property owners using primarily the judicial or non-judicial foreclosure procedure. States that use mortgages to document property ownership follow the judicial procedure. The judicial procedure requires lenders to file a court case to prove default before they can foreclose on the owners. States that use deeds of trust follow the non-judicial procedure, which does not require a court case. Non-judicial foreclosures can take up to about 30 days. Non-judicial foreclosures can take up to an additional 30 days because of the court action. In some states, the process can take up to a year depending on the circumstances.

Can people make money investing in foreclosures?
YES! People can make money in foreclosures because frequently they can buy the properties at below market value prices. Buying properties at discount prices is the surest and quickest way to make money in real estate. Individuals who are looking for homes can get a significant amount of equity up front with foreclosures. Of course, there are no guarantees, but investors looking for short-term income maybe able to flip foreclosure properties for big profits. And landlords maybe able to buy and rent foreclosures, with positive cash flow, for long term wealth accumulation.

How do I get started with foreclosure investing?
There are many sources where you can obtain detailed instructions on how to buy and sell foreclosure properties. We recommend that you buy several books on foreclosure investment. By using our nationwide database you can easily locate and buy properties below market value and apply different exit strategies to make profit by selling them at fair market value.

What information do you provide for each property?
We provide information on the property details, tax rolls, seller/listing data, and schools. The property information includes address, size, number of bedrooms and baths, and property type. The tax roll includes sale prices, assessed value, and the age of the property. The seller listing data includes the name and phone number of the homeowner you need to contact. The school information includes the names and addresses of local schools, types of schools, and student population.

Is the trial really free for 7 days?
Yes! The trial subscription is FREE for 7 days. If you decide not to receive the subscription simply cancel your account during the 7-Day Free Trial period and no charges will occur. If you choose to continue after the 7-Day Free Trial your subscription will automatically renew. The cost is only $39.80 for each month. The subscription is billed directly to your credit card on a monthly basis. The renewals will continue to be billed to your account until you cancel your subscription.

Where do I start?
You can get started right away by signing up for a Free 7 day Trail. You can also sign up by clicking on the "Free Trial" link located at the top of each page of our site. The free trial allows you to search and view all of the properties in our foreclosure database. From our home page, you can use the "Quick Zip Search", you can use the "Select a State" pull-down menu, or you can simply click on the map to find properties in your area of preference. For many of our properties, you can also view the tax roll information as well as a photograph. If you cancel the free trial within 7 days, you will not be charged. If however you elect to continue beyond the 7-day free trial period, your cost will be only $39.80 per month. Note that once you begin your free trial or paid subscription, you will be able to login at anytime by clicking on the "Login" link at the top of each page.

Do I have to sign up for a long term commitment?
NO! Unlike many other sites, you do not have to sign up for an annual or lifetime commitment. You can sign up for a monthly subscription that is billed monthly, as described above.

What are the benefits of subscribing to your database?
Home Search 4 Investors offers a huge selection of foreclosure properties that you may be able to purchase at discount prices, and then flip for quick cash profits or keep for long term wealth build-up. Our online database includes properties from a variety of sources and represents the most current and comprehensive inventory of foreclosures available on the web. We provide daily data updates, complete tax roll information, and property photographs. We acquire all of our property data from foreclosing lenders and government agencies. This enormous database enables you to buy foreclosure properties directly from these sources and use them to pursue your real estate investment goals.

How do I cancel?
You can cancel your subscription by clicking on our “Cancel Screen”. The Cancel Screen can also be accessed through the Login and Contact Us pages. At the cancellation page, you will be instructed to submit your email address and access number to complete the cancellation process. Note that we cannot accept cancellation requests by email, phone call, phone message, or fax.

What kinds of properties are in your database?
Our database contains free nationwide listings of properties for sell by real estate investors, listings of homeowners in foreclosure, FSBOs. Our monthly subscription database contains nationwide foreclosure properties, REOs, and properties from HUD, VA, Fannie Mae, and other government agencies. We also include properties from a number of other corporate sellers. This combination of properties has been compiled into the largest database of its kind on the web, which we keep updated on a daily basis.

Do I need a realtor to buy foreclosure properties?
No! You don’t need a realtor to buy pre-foreclosures, auction properties, and REOs. You can buy pre-foreclosures directly from the property owners before the auction. You can buy auction properties from the foreclosure attorneys or auctioneers at the public auction. You can also buy REOs from lenders after they have taken the properties back at the auction. In all three cases, you can buy the properties without a realtor. But you may need a realtor to buy government properties. HUD, VA, Fannie Mae, and other federal agencies offer their properties for sale to the public via realtors. The agencies will publish their property lists either on the Internet, in local newspapers, or with local management companies. The properties are usually also published in the Multiple Listing Service, which makes them accessible to realtors. There are many realtors who specialize in government properties and can work with you to submit contracts for purchase.

How do I find the cash to buy foreclosures?
You might be surprised to know that there are several sources of investment capital available for funding foreclosure deals. These sources fall into four main categories: conventional financing, partners, lines of credit, and hard money lenders. You can obtain conventional financing from any number of commercial banks and mortgage companies. This type of source can be very cost effective, providing you have good credit. Partners are individuals, including friends, relatives, and other investors, who would be interesting in providing some or all of the money for a percentage of the profits. You can advertise by word of mouth, via the Internet, or in local newspapers. You can use existing lines of credit (or credit cards) to fund your deals. You can also use hard money lenders who are in the business of providing loans for real estate deals. Both of these sources require you to make monthly payments on the loan until you sell the property and pay off the balance. You can search for hard money lenders using our Hard money lender search link. Many buyers of foreclosed properties also use conventional financing to fund their purchase. Conventional financing sources would be the same sources you would use if you were buying a non-foreclosure property; try your local bank or mortgage broker, both of these sources should have competitive rates and terms.

How much cash do I need?
You generally don’t need money to negotiating with property owners. You may need some money for deposit to insure homeowner that you are interested in that deal. Deal deposits can be $1,000 or less. Of course, you will need to obtain the funding to pay off the current debt on the property.

What should I be aware of?
There are two primary points to consider. The first is that all of the debt on a pre-foreclosure remains on the property until it is sold at auction. This means that any junior debt, including trusts, mortgages, tax liens, and judgments, which may exist on the property must be paid before you can buy the property. Usually, there is only one trust or mortgage on a property. However, it is important that you find out about possible junior debt before you spend too much time and money investigating the property. You can use our Abstractor search for title searches. The second primary issue is that only the individuals who are on the title to the property can sell the property. All of the owners of the property must agree to sell it to you before a sale can occur. Make sure that you know who the owners are and that they are all interested in selling before you start negotiating a deal. Most homes are owned by individuals or couples, so finding them and negotiating with them should be straightforward. Owners who have abandoned the property or have moved out of the area may take some more effort to find. For abandoned properties you can send a letter to abandoned home with a self-stamped return envelope with “Return address requested”. Usually, Post office will send you back your envelope with current mailing address of the homeowner. If this trick doesn’t work then you can look up for property tax records and it will show you who is paying for property taxes!

What should I be aware of in buying foreclosures?
You should be aware that ALL foreclosure properties are sold in “as is” condition. That means that neither the owner, foreclosure attorney, lender, government agency nor their agents are required to do any property repairs. You should therefore expect and be prepared to fix up the property, either by yourself or by hiring a contractor. In addition, it is important to arrange your financing in advance of your foreclosure purchase. Contact your lenders or partners to negotiate the terms and conditions of your financing so that you will be prepared to complete the purchase once you negotiate a good deal.

What is an auction property?
An auction property is one that is sold or about to be sold at a public auction. This means that the property owner could not payoff the arrears or sell the property before the date of the auction. The auction is open to all bidders, including investors and homebuyers, and is sold to the highest bidder. An auction property is under the control of the foreclosure attorney who conducts the sale on behalf of the lender.

What is an REO?
An REO is a property that was not sold at the auction to a bidder and was therefore taken back by the lender. Since lenders are not in the business of managing real estate, they are willing to sell the REOs quickly to interested homebuyers or investors. REOs are sometimes called special assets to distinguish them from properties that are actually used by the lenders, such as corporate facilities or branch offices.

How do I buy REOs?
You can buy an REO by submitting a written contract directly to the lender or through the lender’s realtor. As in the case with pre-foreclosures, you should find out about the physical and financial information of the REO and determine whether it is a good deal, before you submit the offer.

What is a HUD property?
The Department of Housing and Urban Development (HUD) is a federal agency that insures mortgages to homeowners through its Federal Housing Administration (FHA). HUD acquires properties from lenders that foreclose on FHA-insured mortgages and offers them for sale to the public. These properties are sometimes referred to as HUD foreclosures or repossessions.

How do I buy HUD properties?
Bids to buy HUD properties must be submitted, during the bid period, via a registered real estate agent. Your agent will generally submit your bid using HUD’s web-based, electronic bidding process. Agents who don’t have computers can submit bids by telephone. HUD’s computer system stores the bids until the end of the offer period, which is the opening bid date, and automatically performs the calculations to determine which bid offers the highest net proceeds. If you are the winning bidder, HUD will notify your agent who will then notify you. You and the agent must then prepare a signed sales contract, based on the winning bid, within 48 hours. The agent should have all the paperwork you need. Once your contract is submitted and approved, HUD will ratify the contract and schedule your settlement date usually within 30-60 days.

How much cash do I need to buy HUD’s property?
HUD requires a deposit as low as $500 to be submitted with the written offer. You will have 30-60 days to arrange your financing.

What is a VA property?
The Department of Veterans Affairs (VA) is a federal agency that guarantees mortgages to homeowners who have served in the military. VA acquires properties from lenders that foreclose on VA-guaranteed mortgages and offers them for sale to the public. These properties are also known as VA foreclosures or repossessions.

How do I buy VA properties?
Offers to buy VA properties must be submitted on VA forms via a registered real estate agent. The forms can be found on the VA web site, and your agent can work with you to complete them. The agent must then submit the forms online, by fax, by mail, or hand delivered, depending on the process followed by the management company in your region. If you are the winning bidder, VA will notify your agent who will then notify you.

What is a Fannie Mae property?
Fannie Mae is the popular name used to identify the Federal National Mortgage Association (FNMA). Fannie Mae was established by the government to purchase FHA loans and to bundle them for sale on the secondary mortgage market. Fannie Mae acquires properties from lenders that foreclose on such loans and offers them for sale to the public.

How do I buy Fannie Mae properties?
Fannie Mae sells its properties via real estate agents. You must present your offer to the agent who in turn presents it to Fannie Mae for consideration. Fannie Mae will review each offer and notify the agent of its decision. Fannie Mae will either accept your offer, reject your offer, or make a counter offer. The counter offer demonstrates Fannie Mae’s willingness to negotiate for a price that is mutually agreeable to both parties. Fannie Mae offers a variety of loan programs including some with low down payments. These down payments are typically between 3-5% of the purchase price. -->