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With the market on 'fire' here in Michigan, it is very difficult to obtain an auction home on FHA financing. Probably 98% of the auction homes have a laundry list of repair items needed to pass the FHA inspection/appraisal. When they go to auction, they usually sell as-is for cash. The bank just wants to unload them fast at that point.If you seek a Fannie Mae/Freddie Mac MLS listed Foreclosure instead of an auction home, you stand a much better chance. Fannie & Freddie have recently started repairing homes to surpass FHA standards and they have the first 15 days of listing period reserved for 'owner occupant' bidders. This allows the owner occupants a chance at the home without competing with the cash investors.
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For Sale: $450,000
For Sale: $154,900
For Sale: $226,500