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Foreclosure Hub
by ByOwnerHub
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Buy a Foreclosure Without a Real Estate Agent

Find REO, auction, and HUD homes at 20–40% below market. We guide you through due diligence, financing, and closing — no agent commission required.

Browse by StateSearch Foreclosures
3M+
Distressed Properties
20–40%
Below Market
$0
Agent Commission

How to Buy a Foreclosure

Three steps to closing on a distressed property

1

Find the Property

Search Auction.com, HUD Homes, and your county's foreclosure listings. Filter by state, city, or zip code. Set alerts for new listings.

2

Due Diligence

Order a title search to find liens. Inspect the property (or bid with a contingency). Check HOA dues, tax liens, and code violations before bidding.

3

Finance & Close

Get pre-approved for a 203k rehab loan or conventional financing. At auction, you'll need cash or proof of funds. Budget 10–15% for repairs.

Start Your Search

Top platforms for finding and financing foreclosures

Auction.com
Largest online foreclosure marketplace — REO, bank-owned, and trustee sales nationwide
Search Foreclosures →
LendingTree
Compare lenders for rehab loans, 203k financing, and conventional mortgages for distressed properties
Compare Loan Rates →

More Resources

Government programs and repair contractors

🏛️ HUD Homes

HUD-owned properties are sold at or below market value. First-look programs give owner-occupants priority before investors. Search at hudhomestore.gov.

No referral link — .gov resource
🔧 Angi — Repair Contractors

Get quotes from vetted contractors for post-purchase rehab work. Compare prices on roofing, HVAC, plumbing, and more.

Get Repair Quotes →

Foreclosure Laws by State

21 judicial states · 29 non-judicial states

Judicial Non-judicial (faster)
ALAlabama⚡ Non-judicial~49dAKAlaska⚡ Non-judicial~90dAZArizona⚡ Non-judicial~90dARArkansas⚡ Non-judicial~70dCACalifornia⚡ Non-judicial~120dCOColorado⚡ Non-judicial~215dCTConnecticut⚖ Judicial~62dDEDelaware⚖ Judicial~90dFLFlorida⚖ Judicial~185dGAGeorgia⚡ Non-judicial~37dHIHawaii⚡ Non-judicial~220dIDIdaho⚡ Non-judicial~150dILIllinois⚖ Judicial~300dINIndiana⚖ Judicial~150dIAIowa⚖ Judicial~150dKSKansas⚖ Judicial~365dKYKentucky⚖ Judicial~150dLALouisiana⚖ Judicial~180dMEMaine⚖ Judicial~240dMDMaryland⚡ Non-judicial~90dMAMassachusetts⚡ Non-judicial~75dMIMichigan⚡ Non-judicial~60dMNMinnesota⚡ Non-judicial~180dMSMississippi⚡ Non-judicial~60dMOMissouri⚡ Non-judicial~60dMTMontana⚡ Non-judicial~150dNENebraska⚖ Judicial~120dNVNevada⚡ Non-judicial~116dNHNew Hampshire⚡ Non-judicial~59dNJNew Jersey⚖ Judicial~270dNMNew Mexico⚖ Judicial~180dNYNew York⚖ Judicial~445dNCNorth Carolina⚡ Non-judicial~110dNDNorth Dakota⚖ Judicial~90dOHOhio⚖ Judicial~184dOKOklahoma⚖ Judicial~186dOROregon⚡ Non-judicial~180dPAPennsylvania⚖ Judicial~270dRIRhode Island⚡ Non-judicial~62dSCSouth Carolina⚖ Judicial~150dSDSouth Dakota⚡ Non-judicial~90dTNTennessee⚡ Non-judicial~40dTXTexas⚡ Non-judicial~27dUTUtah⚡ Non-judicial~142dVTVermont⚖ Judicial~210dVAVirginia⚡ Non-judicial~45dWAWashington⚡ Non-judicial~190dWVWest Virginia⚡ Non-judicial~60dWIWisconsin⚖ Judicial~290dWYWyoming⚡ Non-judicial~60d

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