You have to have a Realtor. Prices are based on current market value, usually based on taxes or a Current Market Analysis. Be careful of your web searches, get a reference from someone you trust. A lot of vultures out there right now, even at good prices today, you could still get stiffed.
A small percentage of the foreclosures are gov. owned and actually that would be by the federal housing association. Most foreclosures are bank owned. Contacting banks will give you information on foreclosures and short-sales.
Keep checking foreclosure website, there's a fee most of them.
Bring cash!
ask ur mom.
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