Foreclosure Records

Programs that maintain and, where appropriate, provide access to court and other official records relating to foreclosure. Included are lis pendens (written notices that a lawsuit has been filed involving the title to real property or a claim of ownership interest in it); and notices of default (formal notices to borrowers declaring that a default has occurred and that legal action may be pending). In states that require judicial foreclosure actions, lenders traditionally file a lis pendens to foreclose on a mortgage or deed-of-trust loan that is in default. A notice of default is used in states that follow non-judicial foreclosure laws.