I think i was too sleepy to answer that correctly. I realize that the OP is talking about mortgage foreclosures and I went in a totally different direction. Sorry. Yes there are a few foreclosures, but you need to know somebody at a bank or be really friendly with your branch manager. The process of foreclosure here is rather long and drawn out. And with home sales so depressed, the banks don't need more headaches, so they bend a bit. Tell you what, I will ask around as see what my people tell me, okay?? Interesting topic, sorry I derailed it! HB