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What is a foreclosure?
A "foreclosure" is any form of real estate (such as a home, commercial
building, raw land, etc.) that is repossessed by the lender because the buyer
has defaulted on his or her mortgage. Buyers default for many reasons,
including job loss, divorce, bankruptcy and ill health.
Who offers Foreclosures for same to the Public?
Foreclosures are normally offered by government agencies (like HUD, the VA and
IRS) and by commercial lenders (such as banks, savings & loans, mortgage
companies and insurance carriers). There are thousands of public and private
sources that fund mortgages each year, and - when necessary - repossess
property for non-payment.