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HUD and REO Homes

HUD foreclosures and VA Foreclosures are some of the best homes to buy when price is part of the equation. As with most Americans, price is always a concern. If not buying the same house for less, why not buy more house for the same dollar invested? When looking for a good deal it is hard to do better than the VA or HUD foreclosures market. The simple truth is that there are just more VA and HUD homes on the market, as they represent such a large number of mortgages that are generated each year. This translates into more foreclosures just by the magnitude of difference between all others comparing to the two largest.

The two largest also being government owned and operated means that they have less time to wait to make money back on the home. The FHA is especially known for selling HUD homes for less than the average sales price in a given area. FHA foreclosures represent a fraction of HUD but they are still a significant number of homes and both should be considered.

VA (Veterans Administration) and HUD (Housing and Urban Development) have different and unique opportunities for the buyer. Both are often forgiven for the local taxes normally associated with the purchase of a home (this is on a county by county basis). Be sure to ask the local title company or escrow company to look into it for you before closing as this is often missed due to their are not used to dealing with the 2 to 3 percent of the market that VA and HUD foreclosures represent.

Free West Palm Beach Real Estate Search James Loftis 954-261-3361

What information is collected from me

The kinds of information we collect from you will vary, depending on how you use the site. It's possible to browse the site without submitting any Personally Indentifiable Information ("personal information") at all, but if you choose to take advantage of some of our products and services, you may be asked to provide information such as a user name and password, your full name, e-mail address, phone number, address, or, for certain financial products or services, your Social Security number and banking information, and for certain e-commerce transactions your credit card information. Whenever we ask for this kind of information, we strive to provide a link to this Privacy Policy to help you understand how your personal information will be used before you decide whether to disclose it.

In addition to the personal information you choose to submit, our systems are set up to gather certain anonymous data to help us to better understand how the site are being used and how we can improve them. This automatically gathered data includes your computer's Internet Protocol ("IP") address, statistics about how visitors navigate through the site and information provided through the use of "cookies" (which is described in more detail below).

How is my information used

The use of your information depends on the context in which it is collected. Therefore, pay special attention to the categories below that relate to the features of the site that you wish to utilize. In addition to using your personal information as set forth below, note that we may disclose the information that we collect about you when we have reason to believe that it is necessary to identify, contact or bring legal action against persons or entities who may be causing injury to you, to us or to others, and may also disclose such information when we believe that the law requires it, such as identifying (but not limited to) violations of our Terms of Use.

We may link information collected from you through various means, including information collected automatically and through the use of cookies and purchase information, or other personal information you provide to help us offer content, advertisements, products and services that we believe will be of interest to you, and this information may also be shared among the site. In addition, we may share this information, in aggregate form, with our current and potential advertisers so they can present advertisements more effectively.

If you have indicated that you want to be contacted by third parties, we may use the information we collect to select which names to provide to a particular third party in order to present you with products and services that we believe will be of interest to you, but we will not disclose this type of information, other than your Contact Information (information that provides a means of contacting you), to any such third party.

We may use anonymous data automatically gathered by our servers so that we can understand how to make the site more convenient and useful to our audience. This information may also be shared among the site and used for similar purposes. In addition, we may share this information, in aggregate form, with our current and potential advertisers or marketing allies so they can try to present advertisements and content more effectively. We may also use aggregate information to share information with the public regarding products, services, content or tools that may of interest to them.

If we sell off a division, merge with another company or spin off a business, your information may be included in such a transaction. However if such a transaction occurs we will notify you of the event and give you an opportunity to respond.

Registration: The personal information you provide when you become a registered user of one of the site is used primarily to help us customize your online experience. This personal information may also be shared among the site to make your use of the site more convenient by, for example, limiting the number of times you have to register with us. Your e-mail address serves as a unique identifier in our record system, and it is used together with your password to prevent unauthorized access to any information you choose to store on the site. The data you give us about your personal preferences and demographics (e.g., your age, ZIP code, occupation or the like) may be used to help us offer content, advertisements, products, and services that we believe will be of interest to you. In addition, we may share this information, in aggregate form, with our current and potential advertisers so that they can present advertisements more effectively. If you forget your password for any registered area of the site, we have an automated password recovery system, which can be accessed by clicking on the "Forgot Password" link on the sign in page. Customer Care does not have access to your password. Please note that we do not knowingly accept or store any Personally Indentifiable Information about any individual under the age of 13 under any circumstances. If we become aware that Personally Indentifiable Information regarding an individual under the age of 13 has been stored, we will promptly delete it from our records.

  • You may be required to submit information about yourself (including contact and financial information), your home and the products or services you use. This information is stored for your convenience and will not be used by other parties for marketing purposes without your consent and then only for the purposes of offering the products or services that you request (unless you indicate you prefer otherwise). Your e-mail address serves as a unique identifier in our record system, and it is used together with your password to prevent unauthorized access to any information you choose to store on the site. The data you give us about your personal preferences and other information (e.g., your age, ZIP code, occupation and the like) may be used to help us offer content, advertisements, products, and services that we believe will be of interest to you. In addition, we may share this information, in aggregate form, with our current and potential advertisers and marketing allies so that they can present advertisements and services more effectively.

  • Unless you specify that you'd prefer not to hear from us, we may also use the e-mail address you provide at the time of registration to contact you for promotional or other purposes. You may have these communications terminated at any time. If you indicate that you're interested in hearing from other companies, we may also share your Contact Information with such companies for that purpose. We may have to contact you now and then to inform you of changes to your service, a change in this Privacy Policy or other administrative purposes. These administrative e-mails will not contain any advertisements.

Tools: The site allow you to use many helpful tools, such as financial and home improvement calculators, real estate search tools and other tools most of which will not ask you to disclose any personal information. These tools are for your benefit, and the information you submit when you use them (typically impersonal data) is not disclosed to anyone or used for any purpose other than to provide you with the service you're seeking. However there are several online tools where we may ask your permission to use the personal information you enter in order to offer services, products or information that we believe may be of use to you or to merge such information into your profile registration. When using such tools you will always be given the opportunity to opt-out of sharing or storing such information.

User-Requested Services: You may choose to request products or services of a more substantial or personal nature when using the site. For example, you may apply for a loan, request our help in locating a remodeling contractor, store your preferences for convenience in using the site or make an online purchase. The information you provide when seeking these services may be used in the following ways:

  • For services provided by the site, the information you submit is used by us to provide the service you've requested. We may also share this information with subcontractors, but only to the extent necessary to fulfill your request or to facilitate your use of their services. For instance, we may use your information on My We to pre-populate a form to be sent to the provider of a service you request, but the information will not be transmitted for use in providing the service by that provider until you choose to submit the information to them. In addition, we may use the contact information and non-financial order information you've supplied, such as your e-mail address, as set out in the registration section, above.

  • For products and services offered to you jointly by us and a third party, your personal information may be shared with or independently gathered by the third party. In these situations, We will only use your personal information as outlined in this Privacy Policy, but the third party may use the information in different ways. You can tell when a product or service is offered by a third party, because a page of the site will be "co-branded" and will display the third party's logo and/or name along with our own, or you will be linked to the third party's site to complete the transaction. Please be aware that each company we do business with has its own policies regarding the use and protection of your information that may differ from those outlined in this Privacy Policy. If you are concerned about how your personal information might be used or protected by a third party, we encourage you to become familiar with its Privacy Policy before using the service or requesting the product.

  • From time to time, we may wish to use personal information you provide when requesting a product or service for purposes beyond those listed above. If this is the case, you will always be notified of the additional use prior to your submitting the personal information, and you'll be given a chance to opt-out of that use or to not complete the request for the particular product or service.

Solicited Information: You may occasionally see contests, surveys and other features of the site that ask you to provide us with personal information. When you choose to respond to these requests, the personal information you offer may be used for several purposes. These include the uses set out in the registration section above. They also include providing information to third parties as necessary for prize fulfillment and other aspects of any contest, sweepstakes, game or other promotion. If we are going to use your personal information for any other purpose, we will notify you of that purpose and give you a chance to opt-out before responding to our survey or participating in our contest, sweepstakes, game or other promotion. Any contest, sweepstakes, game or other promotion that is accessible through the Site is governed by specific rules. By entering any such contest, sweepstakes, game or other promotion, you will become subject to those rules. We urge you to read the applicable rules, which are linked from the particular contest, sweepstakes, game or other promotion.

User-Initiated Communication: Portions of the site enable you to send e-mail to us or to third parties (such as Real Estate Professionals) and to participate in public bulletin boards and discussion groups. All postings to public bulletin boards and discussion groups become our property. Whenever you choose to initiate these kinds of communication with us, or anyone else, you may expect to be contacted in return. Also, remember that our bulletin boards and discussion groups are open to the public, and therefore, your postings can be seen by anyone and are not protected by us or any other entity. Please use your own discretion when deciding what to post publicly and whom to contact. We reserve the right, in our sole discretion, to edit or delete inappropriate postings from our bulletin boards and discussion groups; provided, however, the reservation of this right shall not, under any circumstances, obligate us to conduct such editing or deletions.

Referrals: If you participate in any referral service we may offer, we will use the information you submit to determine which of our participating professional(s) may be able to serve your needs. We may then forward your name, Contact Information and other responses contained on our sign-up form to the selected professional(s), who may then contact you using that information. Any information you provide also may be used by us in accordance with the uses set out in the registration section, above. In some cases we may store these communications to home professionals or other third parties, but solely for the purpose of assisting the professional in tracking their communications.

Automatically Gathered Data: The information gathered automatically by our system-such as your computer's IP address, the kind of browser you're using, and a record of your navigation through our site-may be used by We so we can understand how to make our site convenient and useful to our audience. This information may also be shared among the site and used for similar purposes. In addition, we may share this information, in aggregate form, with our current and potential marketing allies and advertisers so they can know how to present their advertisements more effectively. When such data is aggregated, all Personally Indentifiable Information is eliminated.

What choices do I have regarding the use of my information

Reading this Privacy Policy should help you understand how any information you share with us might be used. If you feel concerned about any of these uses, you might elect not to participate in certain services, features or products that we offer. We will never collect personal information about you without your knowledge, so the decision whether or not to share this information is completely up to you.

How do I "opt-out"

You also have the ability to terminate e-mail correspondence from us at any time. You may be given the chance to opt-out of direct mailings and newsletters when you disclose your e-mail address to us. Further, you can reply to any of our mails and type "Unsubscribe" in the subject line or send an e-mail to Email with your request and we will promptly remove you from that particular e-mail service. To opt-out or request that we not use your information.

If you feel concerned about the cookies that are sent between our computers and yours, you may, through your Web browser, either choose to reject them automatically, or have your computer prompt you before accepting them. Generally, this is done by selecting the appropriate cookies setting on your Web browser (usually found in "Internet Options" or "Preferences"). Please note, however, that some of our features and services depend on the use of cookies. Therefore, you will be unable to take advantage of those features if you choose not to accept cookies.

How is my information protected

Whenever personal information about you is stored on our computers, that information is password-protected from unauthorized access or use. In addition, this information is kept only on servers that are located behind a firewall, which makes their contents inaccessible to outside users.

Since your Social Security and financial information is especially sensitive, we take special care to keep it secure. We will only transmit or ask for this information over secure Internet connections, using SSL (Secure Sockets Layer) encryption, the currently accepted standard for online security, and security keys. In addition, we require password authentication from any third parties you've authorized to receive this information. Finally, your Social Security number, credit card number and financial information are rarely stored on our servers, as most orders are processed by our marketing allies providing the service or product requested. While this means you may have to enter this information more than once, we believe the added security is worth the extra effort. In those instances where we store such data, we protect the data on secure servers and transmit the information using secure Internet connections.

Of course, we appreciate your help in safeguarding the integrity of your own and others' privacy. We hope you'll use common sense whenever you disclose personal information over the Internet. Just as importantly, we encourage you to let us know immediately if you suspect that the information you share with us is being used in any way contrary to this Privacy Policy. Finally, unfortunately no data transmission over the Internet or the storage of information on servers can be guaranteed to be 100% secure and while we strive to protect your personal information (as described herein), we cannot guarantee or warrant its complete security. To contact us, please send an e-mail to: Real Estate Web Site Support.

Contacting Us

If you have concerns about this Privacy Policy or our privacy practices in general, contact us at Email and we will try to resolve any issue(s) that you may have. Thank you for takin the time to read this statement. Contact Policy

Any company or individual, either directly or indirectly, who knowingly or unknowingly sends unsolicited email (spam) to any address associated with this domain, DomainName, has entered into a contract for services. Companies or individuals who send unsolicited email (aka spam) to this domain or any extension thereof are subject to a $200 per email review and processing fee by the site owner. Invoices are sent accordingly, with a Net of 15 days for payment receipt via email. The late fee for non-payment will be 18% APR.

In as much as unsolicited email consumes my resources in the way of time, communications bandwidth, and computer resources, and the company or individual that sends unsolicited email expects these resources to be used for their monetary gain, I have legal grounds to charge for use of these resources.

By sending this site spam at any time, you and/or your company accept this offer and payment terms. If you or your company do not wish to incur these charges, do not send this site spam.

The owner of this site retains the right to update, modify, or cancel this agreement at any time without any notice whatsoever. Offending individuals and companies: the site owner wishes to thank you for your business.

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