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Foreclosures and Tax Liens

Search Pennsylvania courts to help with challenges in the mortgage markets and foreclosures. Search and research Pennsylvania foreclosures and Pennsylvania tax liens. Courts are the best place to start your search. Courts keep all the tax liens and other documents that will give you the most accurate resutls for your search. If you are searching for someone's foreclosure or tax liens history in Pennsylvania court records provide a reliable and easy way to start your search you can also use an online service and run a background check that includes civil court records including foreclosure and tax liens.



Buying Foreclosures in Pennsylvania
There are a lot of people who consider buying a foreclosed home.  The reasons for doing this can vary from getting a home for less to wanting real estate in a location that you generally would not be able to afford.  If you are thinking of buying foreclosures in Pennsylvania you need to know more about the process of doing this and what you need to look for in a foreclosed home.

Know How Much You Have
Before you look at buying any property you need to consider how much you have for the house.  When you buy a traditional house you only have to worry about the price of the property.  However, with a foreclosure home you need to consider the possible repairs that will need to be done in order to make the house habitable. 
There are many foreclosures in Pennsylvania that seem to be a bargain at first glance.  However, when you look a little deeper you will see why the price is so low.  This could be due to major repair works that need to be done after you have bought the house and before you can move into it.

Finding Foreclosed Homes
One of the major problems that people face when looking at foreclosures is actually finding these listings.  It is actually possible to find these listing in the same manner as finding traditional listings.  You can look online for listings and there are often local listings in the newspaper.  Some real estate agents will have special areas on their websites devoted to foreclosures.
You can also look on the website of the bank that has foreclosed on the home.  Banks often have a section on their website that lists whether or not they have foreclosures and how you can get information on them.

Have a Look at the Property
A mistake that many people make is that they go to a foreclosure auction without looking at the property first.  When you do this you are relying on the images that the auction provides.  Inspecting the property before buying it allows you to see if there are any major problems that you need to keep in mind. 
This is possibly one of the most important steps in buying a foreclosure in Pennsylvania.  The bank that forecloses the property will not maintain it and will not have any knowledge of the property that could help you make a decision on the purchase.  When you inspect the property you should consider the overall condition of the house, the potential repairs that are needed and how much this would cost you overall.

Do a Title Search
Completing a title search is very important when you buy any property.  A title search will tell you about the previous owner of the property and whether or not there are any outstanding debts on the property.  You can use a title search company or an estate agent to complete the title search.
Buying a foreclosure in Pennsylvania is an option that most people will consider at some point.  These homes are generally cheaper than traditional listings.  However, there are a number of points that you need to keep in mind when looking at foreclosures. 

Pennsylvania Foreclosure and Tax Liens

Pennsylvania Foreclosure Prevention Information

Homeowners' Emergency Mortgage Assistance Program (HEMAP)

Foreclosure Mitigation Counseling Initiative

Help for avoiding foreclosure in Pennsylvania

 

How to Avoid Foreclosures in Pennsylvania

Don't ignore the letters or contacts from your lender
Call your lender back Contact a HUD-approved housing counseling agency (800) 569-4287
If you are unable to make your mortgage payment in Pennsylvania:

  • 1. Don't ignore the problem.
  • 2. Contact your lender as soon as you realize that you have a problem.
  • 3. Read all the mail form lenders.
  • 4. Know your rights.
  • 5. Read your loan documents learn about the foreclosure laws.
  • 6. Contact a HUD-approved housing counselor.
  • 7. Prioritize your spending and only spend on critical necessities.
  • 8. Use your assets a second car, jewelry, a whole life insurance policy and sell them to save your home.
  • 9. Don't pay fees for foreclosure prevention services instead use the money on your mortgage.
  • 10.Don't lose your house to foreclosure recovery scams in Pennsylvania, don't believe everyone who claims an easy way out!