真好，好帖。有几个问题问一下：

(f) if you still not pay, then your lender or tax collector will send you a formal notice to initialize the foreclosure process. From this time to the foreclosure sale, is called pre-foreclosure by generalized definition.
（这个阶段，是不是除了原房主自己外，其他人是不知道这个房子在卖的）

(g) in the meantime, you can negotiate with the lender to start short sale
（这个阶段，房子门前是不是有插牌的，网上也是可以找到它的listing的）

(i) if short sale fails, there is another chance for investors to transfer the property right before foreclosure, I would like to call it specialized pre-foreclosure sale.
（这个阶段，investors如何买呢，请解释一下）

(j) if property still fails in pre-foreclosure, then it's time for the foreclosure. This is the most risky transfer, but could also be the most profitable one.
（这个transfer应该是指原房主与银行之间的transfer吧）

(l) after lender wins the bid in the auction, actually it may not be counted as a win. Then investors can also buy it from the bank, I would like to call it after foreclosure.
（这个auction是在哪里举行的）

(o) if still fails, then it becomes the REO, or called bank owned. It will be back to the public market for most people grab.
（这个是不是就是指我们普通老百姓路过能看见的或者网上能找到的，比正常房价低很多的那些listing)

(p) if it fails, then the bank will have a voluntary auction to sell the property immediately, please keep in mind, banks (actually its shareholders) cannot tolerate the REO as a failure in their balance sheet very long.
(这个是不是就是指类似www.auction.com里那样预告的，带着支票本去某个大厅里去注册，然后参加竞拍）

谢谢！

所有跟帖： 

• jy101 is here, he knows much more than me -槑- ♀ (0 bytes) () 06/24/2009 postreply 12:50:56

• 谢谢，jy101，能不能帮我解答一下，谢谢。我比较苯！ -抬灯- ♀ (0 bytes) () 06/24/2009 postreply 12:55:07

• 回复：真好，好帖。有几个问题问一下： -槑- ♀ (1352 bytes) () 06/24/2009 postreply 13:01:01

• 谢谢，这下我算摸着点头脑了，非常感谢槑 ！ -抬灯- ♀ (0 bytes) () 06/24/2009 postreply 13:11:04

• 要是在我们州，可能有不同的答案，所以各州的差别还是满大 -如山- ♂ (14 bytes) () 06/24/2009 postreply 14:19:17

• agree, diferent state have their own set of procedure, please ca -jy101- ♂ (0 bytes) () 06/24/2009 postreply 14:34:22