Nothing extra happens on the loan side. The word 'foreclosure' tells you who the seller is, not how your mortgage works. The seller is either a bank that took the property back or an investor reselling after buying at the courthouse steps. Your side looks the same as any purchase: apply, document your income and assets, go through underwriting. You still get title insurance, and the same chain-of-title review confirms you receive clear, marketable title. That title work deserves attention on a formerly distressed property, since there can be liens or clouds to clear, but clearing them is standard work your title company handles rather than an extra step in your loan. The real differences sit on the property and negotiation side: - Condition. Foreclosures are often sold as-is, sometimes with deferred maintenance or missing systems. - Pace and flexibility. A bank seller tends to respond slowly and negotiate less than an individual owner. - Lendability. A home stripped of major systems can be hard to finance with a standard loan, so a financed offer may hinge on the property being in lendable condition. Prepare for the condition, the pace, and a thorough inspection. The mortgage process itself will look exactly like a standard purchase.