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It all starts when a homeowner defaults on their mortgage loan. In order to collect the amount remaining in debt on the loan, the lender will be forced to repossess the homeowner's property and sell it through a New York home foreclosures auction. However, when a lender sells a mortgage foreclosure, they don't need to sell it for the full amount of the loan in order to collect the delinquent foreclosure debt, but only for a portion of that amount. This means that many lenders often undersell foreclosures in New York at sales, because they can still make back the money they need on the foreclosure. For homebuyers and foreclosure investors, this can be a great opportunity to find New York foreclosures for sale for enormous discounts, ranging anywhere from 10 to 50% off!

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