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A Foreclosure Home can generally be purchased just like the next resale home, with a loan from your local bank, mortgage company, or any other type of residential lender. You must have a pre-qualification letter or proof of funds (for cash offers) to submit an offer. A foreclosure home generally sells in 90 days or less, as they are generally priced below market and appraisal. Generally, Sellers of Foreclosure properties will NOT negotiate a contract if the buyer's contract includes a sale contingency or depends on the sale of other real property. Earnest money of 2-3% of the purchase price or $1,000 minimum is the normal amount that the Seller will require to hold the property.

The seller has never occupied the foreclosure home and will not provide a disclosure statement.Generally, there will be an addendum attached to an offer that explains this and other terms of the contract. For more helpful information and an additional forum to discuss Georgia Real Estate topics, visit our Georgia Real Estate Blog. On August 10, 2010 Michael Seger of Seger Realty was named one of America's top real estate professionals by The Wall Street Journal, REAL Trends and LORE.
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