Profile picture for EmilioMerodio

how can I know what is the situation of a home?

I would like to know where to search what is the mortgage of a home,and if there is any situation with that home
  • June 27 2013 - Homestead
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Answers (3)

Hello Emilio,

Great question.

1.  Local and county tax records.  Google "Tax Records in (your town)" and see what can be dug up.  In my market we have great county records with all of that information online.

2.  Talk to the postman....I am not kidding.  They often know when a property is in foreclosure as they deliver the notices!

3.  Call the town's tax clerk.  See who they have on file.  Also ask them if the property is on the tax lien list.

4.  Talk to the neighbors.  They usually know the scoop and see who comes and goes.  This can help to see if there are any "servicing companies taking care of the property for the lender.

5.  Go to the front door and see if there are any notices.

Best wishes,

Super Mike

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  • June 27 2013
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Profile picture for Billy Ray1
I'm thinking by "situation", you are wondering if it is in foreclosure.
Either a local Realtor or the county clerks office should be able to tell you if a lis pendens (pending legal actions such as foreclosure proceedings) has been filed against the house.
A title search may be required to discover any other liens or encumbrances filed against the property that may affect the marketable title. 
  • June 27 2013
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Depending upon your local assessor's office you may be able to find the mortgage information online (only who it was originally lent by and original amount). If the borrower didn't prepay and isn't behind you may be able to approximate how much is left. You will not be able to get mortgage payoff info which can only be obtained by the property owner from the lender.

You will only be able to determine home condition by an inspection.  I would not rely on disclosure of any problems.  Get a good home inspector to help you.

Good luck!

  • June 27 2013
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