@alishacollinsrealestate: If you are a first-time home buyer you may be able to buy a foreclosure. This loan is a FHA loan with an insured escrow. The insured escrow allows you to do the appraisal required repairs. The Home does have to be a HUD foreclosure for this process to work. #Pe#PepsiApplePieChallengeu#hudforeclosureo#foreclosureu#buyahomei#firsttimehomebuyero#homerepairsp#appraisal