foreclosure wait period
Often times the home is transfered back to the bank / lender prior to it being truely foreclosed or sold. I'm a lender in Indiana and I know we look at the earliest date that the foreclosed home is transferred out of the borrowers name. I can be reached at 260.440.8283 if you or someone you know is looking...

We have a conv loan, first at 168,900, second 47,790 appraised last yr for 193,000.
Call me 260.402.1920