Here is a link to a clear explanation of the foreclosure process by Elizabeth Weintraub that is part of an excellent online real estate primer that you'll likely want to refer to again.
Where you are at and what you're trying to do is unclear.
If you are seeking REO, lender owned, homes to buy check your local MLS since almost all lender owned properties are listed there. The MLS may provide direct web access or you may need to use a MLS search tool provided on a local broker/agent website.
If you're upside down and want to negotiate go to HopeNow.com for guidance and assistance.
Search REALTZ and you can contact me directly.
