_____
Government ones-
 
 
Fannie Mae REO: http://www.mortgagecontent.net/reoSearchApplication/fanniemae/
FDIC Real Estate Owned http://www4.fdic.gov/DRRORE/
Freddie Mac REO : http://www.homesteps.com/hm01_1featuresearch.htm  or  http://www.homesteps.com/ 
HomeSales.gov also offers properties offered for sale by the government.
HUD REO:http://www.hud.gov/homes/index.cfm  HomeSales.gov also offers properties offered for sale by the government.
HUD MULTI FAMILY http://www.hud.gov/offices/hsg/mfh/pd/mfplist.cfm 

IRS Real Estate Auctions http://www.treas.gov/auctions/irs/cat_Real7.htm 
Ocwen Financial Corporation http://www.ocwen.com/reo  or http://www.ocwen.com/reo/home.cfm
SBA Properties http://app1.sba.gov/pfsales/dsp_search.html
Sallie Mae Financial Services Properties http://www.grpcapital.com/properties/index.html   

VA see Ocwen http://www.ocwen.com/reo/residential/res_reofindbystate.cfm?proptype=VA 

Trial Foreclosure Sites-

http://www.buybankhomes.com/ 

http://www.foreclosurenet.net/ 




CB RADER GROUP  http://www.tulsametroreo.com/html/clientlist.html   DOES THESE:

• Freddie Mac
• HomEq Asset Management
• Coldwell Banker REO
• First American REO
• Island Advantage REO
• GMAC REO
• Ameriquest
• Arvest Bank
• Oklahoma National Bank
• Fidelity National Asset Management
• Centex
   



REPOSSESSIONS

Look for great bargain properties for sale by HUD, VA, Freddie Mac, Fannie Mae, and Bank-REOs (acronym for real estate owned). Real estate agents try to discourage you from repos and switch you to multiple listed homes. If an agent makes  negative remarks about how hard it is to find a good deal property, find another agent. Even in the hot market at the time of this writing, when the average house sells in less than three weeks, we found two properties for at least forty thousand dollars under market value.

Take a flashlight with you to view a repossessed property. With no electrical service and boards covering windows, viewing dark rooms is tough. A good real estate agent will have her own flashlight, but you want to see what you want and not what she wants you to see.

 

_______

HUD

In our area, new HUD listings post online late Thursday night or Friday morning. New “Daily’s,” homes previously sold which fell out of escrow, post Saturday morning. Properties not sold during the bid time stay listed as daily’s. Bids, due by the following Tuesday at midnight, must be submitted by a real estate agent who has completed HUD registration. Don't waste your time using a Realtor who is not familiar with selling HUD homes. Any mistake causes the bid to be rejected. Don't use an agent who says you must bid way over minimum bid. Find an agent specializing in HUD homes who wants to work with you on your terms. Many bargain HUD homes do sell for far more than the minimum bid. Hold out for the one property which doesn't get way overbid. (I bid about $40,000 under minimum on our second home owner-occupant mountain cabin.)

We submit many bids and win enough to make it pay us well. HUD only allows one repo purchase as an owner-occupant every two years from the date of closing.

Rely on your gut instinct and don't let your real estate agent unduly influence you. It is not a difficult process for your agent to make a computer bid. You need an agent willing to make a few bids to get a successful bid. This is like winning a lottery, with the odds in your favor.

Bids must have a lender’s loan commitment statement. Lenders unfamiliar with HUD requirements also waste your time. Any mistake causes you to lose the purchase. Not all lenders understand HUD’s bid, finance, and purchase process.

When placing a HUD bid, raise your offering bid to cover some of your closing costs. This means you get HUD to pay your closing costs and save out-of-pocket expenses. Also, the higher sales price impacts the market comparable sales in your favor for sale later. Your purchase price influences the values of the market area. Keeping prices higher for active sales during your renovation time protects your investment potential.

Don't get attached to one particular property. We placed a bid on a home I loved  and lost it by a few hundred dollars. The house came back on the list later, not at all uncommon for HUD repos. But, by this time, we had already purchased a better distressed property.

HUD's "extended list" are properties that have not had any bids or at least none acceptable. They say they will take the first acceptable" so make the offer. They can counter and you can start negotiating but be prepared to show them why its worth less. the more info  you can show the, the better. Even if they reject it they will have your offer on file for the future. Don't be afraid to re-submit the offer another month or so down the line. The main thing is to let them know you are a viable buyer.   

HUD homes- check with local authorities . HUD real estate  agent to determine if they will pay closing cost.


 

• HUD- While most of these are in need of repair, and some of the in serious need of repair, a few (very few) might be worth your effort.  website for government foreclosures, or HUD, properties in Tulsa is http:// www.newbidselect.com. (Realtors like to tell you that dealing with HUD properties can be very confusing and difficult so that you will contact them  to get a list of HUD homes that are on the market for sale in your area but you can go to the website yourself.)  HUD   http://www.homesales.gov/homesales/mainAction.do?FormAction=GetCounties&state=OK&stateName=Oklahoma

 http://www.hud.gov/homes/homesforsale.cfm) 



•  FREDDIE MAC- website is: http://www.homesteps.com/

  Fannie Mae http://www.mortgagecontent.net/reoSearchApplication/fanniemae/reoSearch.jsp  
  
  

  FHA Financing Insurability: Uninsured  
   
  http://www.newbidselect.com/servlet/RouterServlet?p_build_page=PSPropertyDetails&p_form_action=SEARCH&pid=-1&p_reference_num=421-394402&p_client_id=6000
  
  http://www.newbidselect.com/servlet/RouterServlet?p_build_page=PSPropertyDetails&p_form_action=SEARCH&pid=-1&p_reference_num=422-251542&p_client_id=6000

    http://www.newbidselect.com/servlet/RouterServlet?p_build_page=PSPropertyDetails&p_form_action=SEARCH&pid=-1&p_reference_num=421-328193&p_client_id=6000

    http://www.bidselect.com/search/?StateID=OK  http://www.govsales.gov/html/index.htm  http://www.hud.gov/homes 

  ---

  VA

  Cleaner than HUD repos, homes owned by the Veterans Administration are also offered on a bidding system through real estate agents. The VA partially fixes up their repossessed homes. The VA sometimes offers vendee (seller) financing with few processing costs, low interest, and no prepayment penalty. You do not have to be a Veteran to buy these easy to qualify for homes.

  As of this writing, the VA is changing the way these homes are offered for sale. This is another reason you need a real estate agent who stays on top of recently revised marketing procedures relating to government-owned properties.

  Less known government agencies such as Fannie Mae, Freddie Mac, FDIC, SBA, the IRS, and GSA list repossessed properties on their individual web sites. These properties, rarer than HUD and VA, usually get cleaned and repaired before listing with real estate agencies with sale prices closer to market value.

   

  
  Department of Veterans Affairs -

  http://www.homeloans.va.gov/pm.htm  See: http://www.homesales.gov/homesales/mainAction.do?FormAction=GetCounties&state=OK&stateName=Oklahoma

   shows they use http://www.ocwen.com/ http://www.ocwen.com/reo/residential/res_reopropdetails.cfm?LoanNumber=80389695&stateChosen=OK&propid=1
  http://www.ocwencustomers.com/va_vfp.cfm  http://va.ocwen.com/reo/residential/va_reopropdetails.cfm?LoanNumber=8000548860&stateChosen=OK&PropID=1
  http://www.ocwen.com/reo/residential/res_reoproptype.cfm?proptype=VA&statechosen=OK http://www.ocwen.com/reo/residential/va_reopropdetails.cfm?LoanNumber=8000548860&stateChosen=OK&propid=1 and on a government site at http://www.homesales.gov/homesales/mainAction.do 

  
  Federal Deposit Insurance Corporation  http://www2.fdic.gov/drrore/   
  General Services Administration http://propertydisposal.gsa.gov/property/PropForSale 
  Internal Revenue Service  http://www.treas.gov/auctions/irs/cat_Real7.htm               http://www.treas.gov/auctions/          http://search.treas.gov/search?access=p&sort=date%3AD%3AL%3Ad1&output=xml_no_dtd&site=Auctions&ie=UTF-8&oe=UTF-8&client=auctions&proxystylesheet=auctions&q=tulsa&ip=64.149.56.99&filter=0  
  Small Business Administration http://app1.sba.gov/pfsales/dsp_search.html 
  US Army Corps of Engineers http://www.sas.usace.army.mil/hapinv/haphomes.htm
  Customs http://www.treas.gov/auctions/customs/realprop.html    http://www.treas.gov/auctions/customs/
  U S Marshal's service   http://www.usdoj.gov/marshals/assets/nsl.htm http://williamsauction.com/ which handles the US Marshals office.) 
  Department of Agriculture Rural Development http://www.resales.usda.gov/ http://www.rurdev.usda.gov/ok/housing/single_family.htm
  




BANKRUPTCIES Go here and when it opens hold down the "ctrl" key and while still holding it click on the "f". Type in Payne and it will find anything in Payne county. http://dockets.justia.com/search?query=&search=Search&stateorcourt=court-okwdce&lawsuittype=noscat-2&documentfilter=allcases&cases=mostrecent&min-day=1&min-month=1&min-year=2004&max-day=21&max-month=12&max-year=2007 

 

Court Records in Oklahoma
http://www.oscn.net/applications/oscn/start.asp 

click on "court dockets", at the top of the page then choose "search dockets" on the left. You can also find bankruptcies on there:
http://www.okeb.uscourts.gov/ (Eastern)
http://www.oknb.uscourts.gov/ (Northern)
http://www.okwb.uscourts.gov/ (western)



The United States Congress has given the Judicial Conference of the United States, the judicial governing body of the U.S. Federal Courts, authority to impose user fees for electronic access to case information. For a history of the electronic public access fee and a current electronic public access fee schedule, click here. All registered agencies or individuals will be charged a user fee. Access to web based PACER systems will generate a $.08 per page charge. The per page charge applies to the number of pages that results from any search, including a search that yields no matches (one page for no matches.) The charge applies whether or not pages are printed, viewed, or downloaded. You will be billed on a quarterly basis for your transactions. You will be allowed to enter a client code of your choosing each time you login to PACER to help facilitate managing the costs.

A measure was approved by the Judicial Conference of the United States in March 2001 stating that no fee is owed until a user accrues more than $10 worth of charges in a calendar year. Consequently, if an account does not accrue $10 worth of usage between January 1st and December 31st each year, all balances will be deleted from our records. This policy change will be effective for the calendar year of 2001, and statements will not be mailed to PACER users whose accounts do not have a balance due of at least $10. Once the balance due exceeds $10, a user will receive a statement by mail which includes the current and previous charges in a calendar year. Please read the announcement detailing this change.

Countrywide official site http://www.countrywide.com/purchase/f_reo.asp

 Midfirst REO specialist



Realtor.com http://www.realtor.com/FindHome/default.asp?mode=Map 


There are a few dozen companies that charge you for public information. The companies that sell this info simply collect that data from public records. If you have time and want to save the expense, you can research the data yourself.  You get what you pay for. If you want timely and real information, which is really hard to come by in this world, there will be a cost associated with that information. Free information is worthless. Information found on most website is so old as to be useless. 


Paying a listing service to mail you lists of repossessed properties is a waste of money. Actually, by the time you get these lists, the houses are already sold. Many web sites listing foreclosures thrive on the web for no charge to you.

REO.com http://reo.com/reosearch/homeprofilenew.asp?PropertyID=30164259   


http://reonationwide.com/prop_list.asp

http://www.foreclosuredeals.com/lview.php?st=OK&county_name=Payne 

http://usatoday.foreclosure.com/search/OK_119.html

http://usatoday.foreclosure.com/search.html?st=OK&cno=119&z=&tab=b bankruptcy


http://www.emailforeclosures.com    -http://www.emailforeclosures.com/searchresults.cgi?caller=details&idnum=417500 

Trulia is now getting feed from Realty Trac, a foreclosure site. You can go to Trulia Real Estate, look for homes in the areas you are interested in and select 'foreclosure' as the listing type. (A word about the prices on Realty Trac - the amount is probably not what the house will sell for, a lot of times they are what the owners are behind for which is quite different from what the house might be worth or might sell even as a foreclosure.) http://www.realtytrac.com/MapSearch/MapSearch/MapSearch.aspx?txtCity=tulsa,%20OK&

See also the ones here which may or may not be old Foreclosuredeals.com
Payne County: http://www.foreclosuredeals.com/lview.php?st=OK&county_name=Payne

Lincoln http://www.foreclosuredeals.com/lview.php?st=OK&cn=Lincoln 

It looks like there are 4 new here since Oct 17, 2007: 
http://www.realtytrac.com/MapSearch/MapSearch/MapSearch.aspx?txtCity=Cushing,%20OK&selStatus=D&accnt=64751& 

I like the way each of them will tell you just a little something. You can figure out more if you keep looking at them :
http://realestate.yahoo.com/Oklahoma/Cushing/Homes_for_sale/result.html;_ylt=ApCRyTLZrUvMQsEBiNYWhBKkF7kF?typeBak=realestate&p=Cushing%2C+OK&type=foreclosure&search=Search&priceLow=&priceHigh=&bedroomLow=&bathroomLow= 


Ariel pictures of them: http://realestate.yahoo.com/Oklahoma/Cushing/Homes_for_sale/result.html?p=Cushing%2C+OK&type=foreclosure

More: http://www.foreclosurelistings.com/lview.php?state_sg=OK&county_name=PAYNE&city=CUSHING

These are Payne County but sorta jumbled http://www.foreclosure.com/listingdetails.html?st=OK&cno=119&listingid=5073546

(I think Domania and Homescout look a lot alike but might be worth checking.)
Domania
Payne http://domaniacom.foreclosure.com/search/OK_119.html  (notice tabs across the top- also check bankruptcies) 
Lincoln http://domaniacom.foreclosure.com/search/OK_081.html  

Homescout
Payne http://homescout.foreclosure.com/search.html?st=OK&cno=119&z=74023 
Lincoln http://homescout.foreclosure.com/search/OK_081.html 


http://www.freeforeclosuredatabase.com/oklahoma/oklahoma_foreclosures.php 
  http://www.foreclosure.com/listingdetails.html?st=OK&ci=Cushing&tab=c&cno=119&listingid=5967515  
http://www.foreclosure.com/citySearch.html?st=OK&cno=119&tab=c&ci=Cushing 

http://www.trulia.com/OK/Cushing/74023/

 http://www.foreclosurenet.net/states/oklahoma.asp 

http://www.homes.com/Real_Estate/OK/City/CUSHING/Type/Foreclosures/Total/1/Page/1  
_______________________________________________________________________________
  http://www.homes.com/Real_Estate/OK/City/CUSHING/Type/Foreclosures/Total/1/Page/1  

(Click to see ariel view for those listed on Yahoo. http://realestate.yahoo.com/Oklahoma/Cushing/Homes_for_sale/result.html;_ylt=ApCRyTLZrUvMQsEBiNYWhBKkF7kF?typeBak=realestate&p=Cushing%2C+OK&type=foreclosure&search=Search&priceLow=&priceHigh=&bedroomLow=&bathroomLow  
_______________________________________________________________________________

 
This is part of it and has good pictures, too: http://www.homes.com/Content/ListingSearchResults.cfm?City=CUSHING&State=OK&Radius=25&Bedrooms=&FullBaths=&MinPrice=&MaxPrice=&PriceRange=&AmenitiesList=&PropType=*&TotalRecs=197&MinSqFt=&MaxSqFt=&LotSize=&MinYear=&MaxYear=&Canada=0&OrderBy=PRICE%3AA  

Note: While http://usatoday.foreclosure.com/search.html?st=OK&cno=119&z=&tab=b shows the date they were filed if you want to learn more about them.

http://homescout.foreclosure.com/search.html?st=OK&cno=119&z=74023
http://www.foreclosure.com/listingdetails.html?st=OK&ci=Cushing&tab=c&cno=119&listingid=5967515

http://www.foreclosure.com/citySearch.html?st=OK&cno=119&tab=c&ci=Cushing

http://www.homes.com/Real_Estate/OK/City/CUSHING/Type/Foreclosures/Total/1/Page/1

http://www.homes.com/Real_Estate/OK/City/CUSHING

http://www.realtytrac.com/freeSearchResult.asp?txtCity=Cushing&txtCity=OK&selStatus=D&accnt=64751

http://realestate.yahoo.com/Oklahoma/Cushing/Homes_for_sale/result.html;_ylt=ApCRyTLZrUvMQsEBiNYWhBKkF7kF?typeBak=realestate&p=Cushing%2C+OK&type=foreclosure&search=Search&priceLow=&priceHigh=&bedroomLow=&bathroomLow=

http://realestate.yahoo.com/Oklahoma/Cushing/Homes_for_sale/result.html?p=Cushing%2C+OK&type=foreclosure

http://www.foreclosurelistings.com/lview.php?state_sg=OK&county_name=PAYNE&city=CUSHING

http://nc.foreclosure.com/listingdetails.html?st=OK&cno=119&listingid=5073546 tabs for bankruptcies and all

http://www.emailforeclosures.com

 

http://www.freeforeclosuredatabase.com   Cushing

freeforeclosuredatabase.com





READ THESE:

http://www.city-data.com/forum/real-estate/333141-foreclose-short-sale.html

http://www.city-data.com/forum/real-estate/353727-pre-foreclosure-processes.html 

http://www.city-data.com/forum/mortgages/347863-foreclosure-prevention-programs.html 

Read these: http://www.trulia.com/voices/Agent2Agent/_Short_Sale_or_REO_Listing_Designation_Questio-9867-- 

http://www.trulia.com/voices/Foreclosure/Fishy_Practice_on_short_sales_and_REO_-40299-- 

http://www.streamfx.com/CW/4-3-2008/REO-Oklahoma.html  Not good?

   

Twice a day check a list of addresss on the MLS.

 
Banks have realtors, and Lawyers working for them. Finding the property is actually the easy part, making sure you don`t get screwed,  is the hard part.

 What are government "tax" foreclosures?

 Buyer are chasing Foreclosed properties, because they think they are getting a good deal. When actually they could be getting a better deal with a Re sale property instead.
  Click to Bookmark This Site!     

 

________________________________________________________________________________________

Real Estate from the Tulsa World Classifieds-
http://www.tulsaworld.com/ClassifiedsSearch/ClassifiedsRealEstateIndex.asp?Department=RealEstate

  


INFORMATION ON WHAT A PARTICULAR HOME COST

http://www.domania.com/

http://realestate.yahoo.com/re/homevalues

www.homeradar.com

http://www.homegain.com/home_prices/

__________________________________________________________
http://www.ussearch.com/consumer/com...Q7vZ2GZwVOG5Nw

(scroll to area property sales)
Lets you locate homes that sold recently. Includes the sales price and date, along with square footage. you can modify the search requirements based on proximity and date sold.
Real estate information can be found through county records as well, but may take some digging. Enter your county's name in a search engine. Sales records are usually maintained by the county.


Zillow.com will give you an idea what it is worth Multifamily Properties

 

	From HUD
	From Fannie Mae
	General Services Administration
	Federal Deposit Insurance Corporation





_____________________

http://www.hud.gov/offices/hsg/sfh/reo/goodn/dhmabout.cfm
 
See listings Sherry Bastion has




Distressed Properties Distressed Owners Make for Distressed Properties (And Vice Versa) How to Find Distressed Sellers

A great deal is when you buy a property for well below its actual value and/or with favorable terms. The only way this can happen is for the seller to be ignorant of the market, completely uninterested in profit motives, or extremely motivated to sell.  Concentrate on identifying motivated or "distressed" sellers. After all, only someone who absolutely needs to sell is going to price his or her home well below market value and/or accept unusual financing arrangements.

Distressed sellers and fixer houses offer you a great way to get into the real estate investing business. Watch for these:

• To buy a house as an investment, look for one that is selling for below the fair market value, (A motivated seller?) because of special circumstances such as divorce, a relocation or a foreclosure, financial difficulty, Divorce, Death, Poor Health, Job Loss or transfer, Death of a spouse or other relative leaving them a home they can't afford or a  serious financial distress (medical)or A Myriad of Other Reasons--Tornado, fire, layoff or tax delinquent  are the items that top the list.
•  One way that distressed property owners can avoid foreclosure is to attempt to sell their home before things totally spiral out of their control. In a soft real estate market, a distressed homeowner could find themselves selling a home for a price well below its value. However, this could still be an attractive option for the seller as the responsibility for paying for the house would be removed from their hands. For the buyer, a distressed home means paying less than market value and gaining a home that they possibly could not have been able to afford under normal market conditions.They need to sell - you are helping them! The first place to look is in  the classifieds for listings with "for sale by owner" in the text, or that appear as though they are being sold without an agent. Technically, real estate agents must state that they are agents in all advertising materials, but the less scrupulous ones frequently disobey this rule. Look for key phrases such as "must sell, fix-up, needs work, vacant," and of course, "motivated sellers" (although agents often advertise "motivated seller" when in fact their client isn't all that motivated!). A distressed property seller may be more receptive to allowing you to pay a reduced price for their home if you negotiate the deal apart from a realtor. Usually, this type of seller is featuring their home on a For Sale By Owner {FSBO} site in the hopes of saving themselves the cost of realtor fees.

  When dealing with a distressed property seller, sympathy and understanding on your part can go a long way toward clinching the deal. Chances are the current owner is embarrassed about their financial plight and doesn’t want to be too forthcoming about what lead up to their current troubles. Be prepared to close on the deal as soon as possible, therefore a pre-approval letter from a respected mortgage lender is essential to helping you secure the distressed property.

  Be prepared to make a lot of calls and not to spend much time with each seller - finding deals is a numbers game, and you have to make a lot of calls to find that one special deal. You and the seller are finding a mutually agreeable price point and terms. You are getting a great deal and they are unloading a headache. It's a win-win situation.

• In most cases distressed property isn’t the same as a fixer-upper but it could be. Likely, the current owner had been keeping up with maintenance, but recently fell upon hard times that have triggered the “sell now, before foreclosure later” action on their part. If the home has been neglected all along, a distressed property may not be the value you think that it could be especially if much needed repairs must be done. If that should be the case, your so-called “deal” could end up being no deal at all.

• Don't  limit yourself to FSBOs (homes that are "for sale by owner"). Instead, draft a letter on professional letterhead and fax it to all of the real estate offices in your area. Explain that you are a real estate investor looking for distressed properties and that you can close quickly if the price is right. This way, you can have an entire army of real estate agents working for you, free of charge. If one of them finds a property for you, the seller of the home will pay the agent's commission. You owe them nothing, it comes off the seller's side.

  Call the owners of rental properties and offer to buy. Many income property owners are reluctant landlords and will certainly entertain the offer. If they say no, leave them your name and phone number and tell them to call you if they're ever interested in selling.

  Place your own classified ad with a  simple headline like "We Buy Houses for Cash" works best. Don't worry that other investors use the same ads, it's a numbers game. Sometimes people will sell to you because they like the way you sound or they trust you over your competitor. How many advertisement do you see in the paper for mortgage companies, car dealers and retail stores selling the same product? There's enough business to go around, and so long as you get the phone ringing, you'll learn to get good at converting them into deals.

  (Go to courthouse and go see)

• Watch paper for people who have beaten their kids, dogs, etc.  In nursing home or hospital, die, get arrested, go crazy, divorce, lose jobs.  
• Write down address as  once dutiful home owners are finding it difficult if not impossible to keep up with their mortgage payments. Therefore, within a three to four months timeframe a homeowner could see their home foreclosed. check court records    (Divorces now) Marriages....might want to buy.
• Check to see who is paying taxes after a death. Contact them when those come due. (Dec?) They might not want to pay.
• The pulse. Center someone who would call and check daily on elderly. Meet family. All they did all day was call. Get to know them. Sell property when kids call around.  
• Retirees- send them laminated or those hand colored pictures. They may want to move and will remember you.
•  call brokers on listings you find on the internet and simply ask why the owner is selling. You may have to call on quite a few properties, but eventually you will find that gold mine property being offered way below the market rate. With just a few changes that distressed property may be a money generating machine once more! You can even call on brokers to locate and bring you properties with problems that fit your targeted criteria. This strategy of finding distressed properties is a great one, as you can very quickly cut through the many listings that do not fit your criteria.
• Creek County courthouse
• OSCN.net
• To make a good profit in real estate, you must buy right. Check out all property types available to find the best transaction for your specific situation. Consider  repossessions, multiple listings, for sale by owners, and vacant properties just wasting away. 




Seller’s Motivation

Let honesty and kindness guide your actions with sellers. Finding out the seller’s specific problem is the key to helping them and yourself. Uncover the seller’s particular need and find a solution. Because it is embarrassing for some sellers to let you in on their troubles, extra sympathy and relaxed timing helps you unearth their underlying motivation. Listen carefully, stop talking, and pay attention to details which lead to understanding the real reason they need to sell.

The seller may need a quick escrow, need to rent back the home for a while, or want immediate cash. You could give the seller a loan of cash with a note secured by the property. Ask an attorney about your state laws regarding this type of purchase advance. We offered a seller a $2,000 deposit outside of escrow, which went toward the down payment, to entice a money-hungry seller to commit to our low price.

Owner financing can be a great deal for you. Usually, you get a lower interest rate and you don't have to pay lender’s points or prepayment penalties. Also, these loans typically won't show on your credit report so you won't have these payments counted against you. If you have a good credit report, take a copy with you to show to the seller. This prevents more inquiries on your credit history and keeps your credit score from dropping. (But be careful. There are predatory lenders out there advertising "Seller Financing".  Their trick is to hire "traders" to do their buying and selling so it appears to be an individual you are dealing with. They are really just a someone working for a mortgage company who will charge you very high interest rates to put you in a mortgage most likely you could not get from an honest company because an honest company doesn't want to put you into something you cannot afford then see you lose it in a year and a half.




http://www.oklahomanotices.com/  Open and click on it to begin your  search

classifieds.cnhi.com   Tahlequah, duncan, Chickasha


•   The Ada Evening News, Ada, OK
•   Chickasha Express Star, Chickasha, OK
•   Claremore Daily Progress, Claremore, OK
•   The Duncan Banner, Duncan, OK
•   Edmond Sun, Edmond, OK
•   Enid News & Eagle, Enid, OK
•   McAlester News-Capital, McAlester, OK
•   The Muskogee Phoenix, Muskogee, OK
•   The Norman Transcript, Norman, OK
•   Pauls Valley Daily Democrat, Pauls Valley, OK
•   Pryor Daily Times, Pryor, OK
•   The Stillwater Newspress, Stillwater, OK      for legals http://classifieds.cnhi.com/categories?publishername=stwnewspress not found   (Look on auctions)
•   Tahlequah Daily Press, Tahlequah, OK
•   Woodward News, Woodward, OK


Non-daily publications:
•   Ft. Gibson Times, Ft. Gibson, OK
•   Hartshorne Sun, Hartshorne, OK
•   The Midwest City Sun, Midwest City, OK
•   The American, Moore, OK
•   Tuttle Times, Tuttle, OK
•   Stilwell Democrat Journal, Stilwell, OK
•   Waurika News Democrat, Waurika, OK
•   Westville Reporter, Westville, OK


 

Green Country Oklahoma
Area Newspapers

Bixby Bulletin
8545 E 41st, Tulsa
Phone: 918-610-8181
E-mail: rnelson@tulsa-pennysaver.com

Examiner-Enterprise
4125 Nowata Road
Bartlesville, OK 74006
Phone: 918-335-8200 Fax: 918-335-3111
E-mail: examiner@examiner-enterprise.com

Broken Arrow Daily Ledger
110 W Kenosha, Broken Arrow
918-258-7171

Catoosa Times
202 E 2nd Avenue, Owasso
Phone: 918-272-0327 Fax: 272-0642
E-mail: catoosatimes@neighbor-newspapers.com

Claremore Progress
315 W Will Rogers Blvd, Claremore
Phone: 918-341-1101 Fax: 341-1131
E-mail: publisher@claremoreprogress.com

Collinsville News
1113 W Main, Collinsville
Phone: 918-371-9666
E-mail: collinsvillenews@intcon.net

Coweta American
107 S Broadway, Coweta
Phone: 918-486-4444

Glenpool Post
8545 E 41st, Tulsa
Phone: 918-610-8181
E-mail: rnelson@tulsa-pennysaver.com

The Jenks Express
P O Box 1278, Jenks
Phone: 918-694-9885;   Fax: 918-296-9885
E-mail: jenksexpress@cox.net

Jenks Journal
8545 E 41st, Tulsa
Phone: 918-610-8181
E-mail: rnelson@tulsa-pennysaver.com

Mannford Eagle
221 W Tower, Mannford
Phone: 918-865-3030

Miami News Record
14 1st Street NW, Miami
Phone: 918-542-1903
E-mail: bill.brisbois@miaminewsrecord.com

Neighbor Newspapers
8541 E 41st Street, Tulsa 74145
Phone: 918-663-1414
Newspapers: Bixby Bulletin
Broken Arrow Daily Ledger, Catoosa Times
Collinsville News, Coweta American, Glenpool Post
Guffey's Tulsa Real Estate Journal
Jenks Journal Mannford Eagle, Owasso Reporter
Sand Springs Leader, Skiatook Journal
Tulsa Business Journal, Tulsa County News
Tulsa Daily Commerce & Legal News
Tulsa Pennysaver, Wagoner Tribune

Oologah Lake Leader
PO Box 460, Oologah 74053
Phone: 918-443-2428
E-mail: oologahinfo@sbcglobal.net

Owasso Reporter
202 E Second Avenue, Owasso
Phone: 918-272-1155 FAX: 272-0642
E-mail: owassoreporter@intcon.net

Our Town News
216 N Main, Sand Springs
Phone: 918-245-9800

Sand Springs Leader
303 N McKinley, Sand Springs
Phone: 918-245-6634
E-mail: rnelson@tulsa-pennysaver.com

Sapulpa Daily Herald
16 S Park Street, Sapulpa
Phone: 918-224-5185
E-Mail: sapulpa_herald@okpress.com

Skiatook Journal
500 W Rogers, Skiatook
Phone: 918-396-1616
E-mail: skiatookjournal@intcon.net

The Tahlequah Daily Press
("Considered the oldest rural newspaper in the state of Oklahoma") PO Box 888, Tahlequah, OK 74465
Phone: (Toll Free) 800-725-8866

Greater Tulsa Reporter
Includes: Broken Arrow Express
Jenks Gazette, Owasso Rambler
Tulsa Free Press, Union Boundary
Phone: 918-254-1515
E-mail: info@grtrnews.com

Tulsa Beacon
6931 S 66th East Avenue, Suite 105
Tulsa, OK 74133
Phone: 918-523-4425
Fax: 918-523-4408
E-mail: charlesbiggs@tulsabeacon.com or chasbiggs3@aol.com
Publisher Charles Biggs

Oklahoma Eagle
624 E Archer, Tulsa
Phone: 918-582-7124
E-mail: okeagle@wiltel.net

Southwest Tulsa News
303 N McKinley, Sand Springs
Phone: 918-245-6634

Tulsa Business Journal
8545 E 41st, Tulsa
Phone: 918-663-1414
E-mail: rnelson@tulsa-pennysaver.com

Tulsa Today
PO Box 2747, Tulsa
Phone: 918-712-0020
E-mail:editor@tulsatoday.com

Tulsa World
World Publishing Company
318 Main Mall, Tulsa
Phone: 918-582-0921
E-mail: webmaster@tulsaworld.com

Wagoner Tribune
221 E Cherokee, Wagoner
Phone: 918-485-5505
E-mail: rnelson@tulsa-pennysaver.com

  

 

http://www.sequoyahcountytimes.com/news/

http://www.sequoyahcountytimes.com

GARFIELD COUNTY LEGAL NEWS

http://www.guthrienewsleader.net

See foreclosure list of sites on Payne County.

For houses posted by owner: oodle.com and http://www.owners.com/Search/SearchResults.aspx?sch=r+20%3bz+74136%3bp+1