Find Arizona MLS Houses for Sale
You can search Arizona MLS Listings for the Phoenix and Tucson Metro Areas.
Find MLS Listings in these portions of Arizona:
Apache Junction, Arizona City, Casa Grande, Coolidge, Eloy, Florence, Gold Canyon, Maricopa, and Queen Creek.
Maricopa County, AZ
Glendale Arizona Real Estate - Search every property for sale in the Glendale AZ area. Find Glendale Real Estate, homes for sale, golf property, condos, commercial property and more with our interactive map search
Ahwatukee, Anthem, Apache Junction, Arlington, Avondale, Buckey, Carefree, Cave Creek, Chandler, Desert Hills, El Mirage, Fountain Hills, Gila Bend, Gilbert, Glendale, Gold Canyon, Goodyear, Higley, Laveen, Litchfield Park, Mesa, New River, Paradise Valley, Peoria, Phoenix, Queen Creek, Rio Verde, Scottsdale, Sun City, Sun Lakes, Surprise, Tempe, Tolleson, Tonopah, Waddell, Wickenburg, Wittman, Youngtown,
Pima County, AZ
Corona de Tucson, Marana, Oro Valley, Sahuarita, Central Tucson, East Tucson, North East Tucson, North West Tuson, Southern Tucsen, South West Tucson, Western Tucson, Northern Tucson, Vail
Pinal County AZ
Marana, Northeast Tucson
Arizona Foreclosures Houses
Referrals and Links to Other Arizona Real Estate Sites:
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AAArizona - Green Valley Real Estate - Easy home searches for the Green Valley, Arizona home buyer.
Phoenix Real Estate, Chandler Real Estate and Scottsdale Real Estate - Search listings online from the Phoenix MLS! Phoenix homes, expert real estate advice, local info, and more from a proven Phoenix Real Estate Agent & Realitor!
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Arizona Real Estate & Luxury Homes
Arizona real estate - search 1000's of homes, villas, condos for sale in Phoenix, Chandler, Tempe, Scottsdale, Gilbert, Glendale, Mesa. Free professional buyer representation Realitors.
Kingman Arizona Real Estate - Free online MLS search for real estate, homes, land, investment properties in the Kingman and Golden Valley Arizona areas.
Oro Valley Real Estate - Tucson Real Estate - Pima County Relocation - Real estate and homes in Tucson, Oro Valley, Sun City, Foothills, Rancho Vistoso, Casas Adobes, Marana, Catalina, and Pima County. Search the MLS and find buyer seller tips!
Scottsdale Real Estate & Homes For Sale Buyers Agent
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Brenda O'Brien, Tucson Real Estate, Tucson luxury Home Info
Tucson Arizona Home and Tucson Real Estate Information from Top Tucson Realtor Brenda O'Brien, CRS
Mesa Real Estate - Chandler Homes for Sale - Maricopa County Real Estate - Real estate in Mesa, Chandler, Gilbert, Tempe, Ahwatukee, Apache Junction, Queen Creek, Gold Canyon, and Maricopa County. Search the MLS and find buyer seller tips! "Your ACE in the home!"
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Understanding the Foreclosure Process in Arizona
Foreclosures in Arizona are among the highest in the nation. According to RealtyTrac.com, Arizona ranks fourth nationally in the rate of foreclosures and this rate continues to rise. Each month nearly 1 in every 200 homes receives a foreclosure filing of either a Notice of Default, Notice of Trustee Sale, or appears as a New Foreclosure Home.
These foreclosures are awful for some people, especially those who bought at the peak of the real estate boom and now see their home values down by tens of thousands. But for many home buyers and investors, these foreclosures represent great opportunities for real estate deals.
Here is a break down of how foreclosure works from the first missed payment up until the foreclosure auction:
Foreclosure really begins when Arizona borrowers are in financial distress, and miss a mortgage payment. Banks won't usually do anything until several payments have been missed, but technically can begin the foreclosure process as soon as the due date is missed. This is the earliest stage of the foreclosure process and can only be identified by personal knowledge of distressed borrowers, referral's, or possibly insider information from a bank. Some times homeowners will realize their financial distress and attempt to sell these houses. They are usually hard to identify at this point unless the borrower owes more than the house is worth and must sell it as a Short Sale. The borrowers often try to sell these houses for sale by owner because they realize they have no equity, and can't afford to pay a Real Estate commission. Smart sellers in distress realize they need a Realtors help. Especially a realtor who specializes in Short Sales and foreclosure homes. Houses listed by realtors and on the MLS are usually identified as "short sale" houses. These properties are sold as is, and usually have comments like "motivated seller."
After a distressed borrower has missed about 4 payments, the bank will issue a Notice of Default. The certified Notice of Default tells the borrower that if they do not bring their loan current, the house will foreclose. These notices become public record. They are posted at the county courthouse. You can also get access to these records on online foreclosure sites like foreclosure.com, realtytrac, and bargain network. These services offer a one week free trial period. If you like the service, and find it valuable there is a monthly charge. Personally I like bargain networks service the best. Its format is the best. With that said, Foreclosure.com's service provides the most information without having to pay anything. In many small Arizona towns, the information given without the paid subscription is often sufficient to identify and contact home owners who have received notices of default.
At this point, foreclosure is not inevitable, there are companies that have solutions to prevent foreclosure.
These services also provide valuable information and can give you email updates anytime a new preforeclosure or for sale by owner property is found.
How do I contact owners in default?
Some try door knocking. Some use mailers, some make phone calls. RealtyTrac has programs and campaigns to help you contact default owners to find out if you can purchase those distressed homes.
Notice of Trustee Sales/ Foreclosure Auction
If the loan is not brought current. Aproximately three months after the notice of default another official notice is given. The "notice of trustee's sale" or the foreclosure auction. This notice is posted on the borrowers property, at the courthouse, and in a newspaper. This notice states that the house will close in 28 days. This is the desperation point for foreclosure sellers and many investors with cash like to step in and relieve them.
How do I purchase properties at a foreclosure auction?
Trustee sales usually take place at the court house steps of the county seat. This is a public auction, and anybody may bid on the house to buy a house at a trustee sale you should know that:
You must provide $5,000 certified funds prior to bidding.
Must pay off the entire purchase price in full within 24 hours.
Properties sold at the public auctions are sold without warranties. There still may be liens and judgements tied to the property. The properties might even still have residents needing eviction. Some liens such as second mortgages will sometimes be shafted.
Bank Owned/ REO Homes
Homes that didn't sell at the foreclosure auction almost always appear again on the MLS. These houses are purchased by the bank at the trustees sale, and will be sold "as is." Banks usually want to get rid of these properties fast, so they price them slightly below market value. They are a discount, but they're not always a screamin deal. Bank owned homes are the easiest foreclosed properties to purchase.
A property that is bank owned is known as REO (Real Estate Owned). One of the more common REO foreclosed properties are HUD Homes. Listings of foreclosed homes on the "pay" sites are very often dated. Foreclosed homes are always on the mls.
Search Arizona MLS Listings for Foreclosed/Bank Owned REO properties
Arizona HUD Homes
One of the most common phrases associated with foreclosure, is HUD Homes. HUD Homes are Bank owned homes that were secured by Government back loans. HUD properties only represent a small percentage of foreclosed homes. New HUD homes become available every Friday in Arizona. HUD homes can usually be purchased below market value, but they can usually only be purchased by people intendinding to use the property as their personal residence. If a HUD home is on the market for several weeks, the bidding is then opened up to Investors. Once its open to real estate investors, its usually not the greatest deal. HUD homes are specifically designed for buyers intending to use the property as their primary residence.
HUD Homes can be found in two places, the website of HMB REO (they handle all Arizona H.U.D. properties) and on the MLS. More information and a home inspection report is given on the HMB INC website. This information is very up to date.
HUD homes in Arizona must be purchased using a cooperating real estate agent. Bids for HUD listings are made on-line. Before you make an online bid you still need to fill out an Arizona Real Estate Purchase Contract and deposit the earnest money check with certified funds. The listing price of HUD homes is usually low, but multiple bids are often made.
Special HUD programs for Teachers, Officers, and Government Workers
There are special programs fore teachers, officers and other government workers where Hud Homes can be purchased for half price. Houses in Arizona that qualify for these program are rare, and are hard to get as bids are selected by a random lottery. These programs still require HUD Auctions through electronic bids. These auctions must be made with the assistance of a licensed real estate agent to bid at a HUD auction. The Realtor gets to choose their own commission.