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No Virginia, there really are no free houses. When the previous owner was paid at settlement, somebody came up with real smackers. Now, I know you heard that because the mortgage was packaged and sold so many times, and the mortgage was being serviced by a collection agency, that there is no longer a real mortgagee; But there is my dear, real smackers were exchanged for that paper all along the trail. I know you heard the adult cry babies say that the mortgage servicers make more money forcing foreclosure than just doing their job. You know Virginia, they wouldn't have their business very long if that happen often. You can only cheat and sell your employer short so many times before he fires you. I know you heard that some man forgot to cross a T on the foreclosure form, but that still doesn't make the house free. No Virginia, too many people bought a house on a Yes We Can, and that house of cards collapsed. When you grow up we want you to be able to buy a house. It's important now that mommy and daddy give back the keys, and you all go live with grandma. That way dear, when you meet your Prince Charming, investors will once again be willing to come up with the smackers.