Frequently Asked Questions

Is the same as HUD? Are you the government?
No. is a private company not affiliated, endorsed, authorized, or licensed by the US Department of Housing and Urban Development. You can find the HUD Government agency website at


I want more information/pictures on a property, whom do I contact?
You will need to contact a REALTOR in your area for detailed information on a property. They have access to public records, and to complete listing information that is not provided to us. recommends a lender in most parts of the country. There are just too many properties for us to keep track of individually nationwide.
As for pictures, the average foreclosure is on the market for 10 days. Since we operate nationwide, the fastest guarantee we could get for pictures was 2 weeks. We did not want to pay for pictures of sold properties so we do not provide photos unless the agency provides them to us.


I have not heard anything on my prequalification. What happened?
In most cases, the expert Agent and Lender are swamped. In the confirmation Email you received from is the name of the Experts processing your Prequalification form. Email them directly or go back to and call the number on their banner. Ask them about your form, usually they will move you to a higher priority.


I heard there are grants (programs/assistance). Can you help me?
We are sorry, no. is not the government (see above) and we have no programs that we provide. Look on the HUD Government site for more information on this topic.


I need a house now! Can you help?
Yes. BUT, you must be prequalified (takes about 2 days). You must have enough money for a downpayment (about 3% the cost of the home). And you must be prepared to do everything that your expert agent and expert lender tell you to do. It is possible to bid, sign a contract, get financing, and close the sale of a HUD home in about 3 weeks. However, that assumes that everything goes perfectly (which it rarely does).
If you desperately need a place to live, and you have less than 60 days, your best bet is to find a place to rent for the next 2-3 months while you buy a home.


There isn't an expert (agent or lender) in my area. Whom do I contact?
This is a toughie. We have about 80% of the major metro areas in the US covered. However there are still some rural areas we have yet to fill.
Best suggestions are:
  • Look for major cities near you and see if has an agent or lender there.
  • Call your bank and ask if they can recommend a Real Estate Agent.
  • Look on for an agent in your area.
  • Ask your friends for a recommendation
If you fill out a prequalification form for an area with no agent or no lender, we attempt to find an agent or lender for you, but after 3 days, the application is dismissed.

I saw a property on another site. I can't find it on Is it available? has a co-branding arrangement with a number of other Real Estate sites., Yahoo Classified, CyberHomes, and others all get data from roughly every 7-14 days. updates directly from HUD, VA, Fannie Mae, Freddie Mac, and others at least twice a day every day.
Foreclosures sell fast. If one of our partners is slow to update their information it looks like a property is missing, when in fact it is already sold. is the best source of accurate data.

I saw a sign on a house in my neighborhood. Is it available?
Maybe. HUD and VA foreclosures have a sign posted in them when they are repossessed. However, the inspection, title, and repair issues may take anywhere from a few months to several years to complete.'s Email Alert will notify you of properties the instant they are made available. This is easier than driving by the house every day to see if it is sold.

I contacted an expert and the house I saw on your site is already sold. How come it is still listed on
Just as other companies are slow to update their property lists (see above) some of our data providers are slow to update their information. The typical update schedule is as follows:
  • FHA/HUD - Daily @ 10AM
  • VA - Semi-Monthly (1st and the 15th)
  • Fannie Mae - Weekly (on Sunday)
  • Freddie Mac - Daily (Around 4pm)
  • Ocwen - Semi-Monthly (1st and the 15th)
  • Bank of America - Daily (at Midnight)
  • First Union - Daily (at Midnight)
  • - Semi-Daily (6am, 1pm and 9pm)
Note this is a "typical" schedule and is subject to change without notice from time to time.

I don't want to give any information to you, how do I get to the properties?
If you do not fill out the prequalification form, you can still view property details. Merely click the submit button on the form without filling in any info.

Can you send me a list of the properties in my area?
No. It's all free, it's easy to use, please help yourself to as much information as you want to see. We just do not have the time it takes to answer all of these requests. If you are having problems getting to the property lists, let us know and we will see what we can do.

I only want properties in (zip code/city). How can I get that?
You can do an Advanced Search for zip codes, partial addresses, or all the properties in a particular county. Use the checkboxes on the lists of cities to narrow you search if you get too many properties. If you do not see a particular city, then there are no properties in that city currently.

My situation is unique. How do I get answers?
We have been working with foreclosures for over 15 years. Contact us and we will see what we can do.


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HUD Foreclosures
Free Foreclosure Listings
Foreclosure Listings Increasing

HUD Foreclosures

HUD foreclosures and VA Foreclosures are some of the best homes to buy when price is part of the equation. As with most Americans, price is always a concern. If not buying the same house for less, why not buy more house for the same dollar invested? When looking for a good deal it is hard to do better than the VA or HUD foreclosures market. The simple truth is that there are just more VA and HUD homes on the market, as they represent such a large number of mortgages that are generated each year. This translates into more foreclosures just by the magnitude of difference between all others comparing to the two largest. The two largest also being government owned and operated means that they have less time to wait to make money back on the home. The FHA is especially known for selling HUD homes for less than the average sales price in a given area. FHA foreclosures represent a fraction of HUD but they are still a significant number of homes and both should be considered. VA (Veterans Administration) and HUD (Housing and Urban Development) have different and unique opportunities for the buyer. Both are often forgiven for the local taxes normally associated with the purchase of a home (this is on a county by county basis). Be sure to ask the local title company or escrow company to look into it for you before closing as this is often missed due to their are not used to dealing with the 2 to 3 percent of the market that VA and HUD foreclosures represent.

Free Foreclosure Listings is a website that simplifies the process of finding foreclosures and HUD properties. Everyone thinks they are a real estate web surfing pro until they search for foreclosure homes and stumble upon a numerous sites that want to charge a fee to see their listings. With that’s not the case. When searching for HUD properties or a home finding website for foreclosure it is important to know what you are looking for. It is important to use a niche company that specializes in foreclosures like We have put together 2 tools that have made the real estate search process of our website much easier to navigate. The Homesearch online tool is filled with foreclosure lists and free listings of hud homes for sale. Most of our users start with a broad search with the homesearch online tool to see the most HUD properties and foreclosure lists in your area and narrow their search down with the Homefinder online tool. The homefinder online tool is a custom filter system that we breakdown the area based upon filters such as convention and foreclosure listings. This give you the option to filter out conventional listings and focus on just the foreclosures in the market. We thank you for making us Americas top home finding website for foreclosure and Hud properties. Free listings of hud homes for sale are hard to come by but should always be free and that’s the way things are going to stay on our website.

Foreclosure Listings Increasing

As the market settled after the mortgage meltdown foreclosure listings also settled and fewer homes were on the market with a placard reading “Bank Foreclosure” in big red lettering. This was a good thing for the entire real estate market. Having an abundance of foreclosures brings the entire market down and it makes it harder for home owners, who would like to move, to get the appropriate price for their home as a similar home down the same street was sold for substantially less and the appraiser is using the foreclosure as a comparable sale. This is just one of the problems when there are too many foreclosure listings in any area. Another issue is the television set that sits in everyone’s living room harping about the price of homes based on the number of foreclosures and this constant barrage of negative information makes most people sit on the sidelines waiting for the market to either implode completely or to correct itself. Meanwhile while they wait, others are buying foreclosure listings and making great investments. Whatever the reason, a market can only handle so many foreclosure listings at any given time. The more foreclosures, the lower the market gets and this is a lesson the banks that were foreclosing and selling off realized too late. The market and their investments would have been better off if there had not been a rush to divest themselves of the toxic assets made more toxic by their own actions.