I have been trying to research the subject of foreclosures in the Jacksonville area. It's really sad. Depending on exactly what search criteria I use, the average number is somewhere in the neighborhood of 1300 homes. This does not include Condos. There are approximately 100 of those. These homes are either in some stage of preforeclosure, have already been foreclosed on and are now owned by the lender, or they are currently offered on the market as a short sale. I think that the community of Realtors needs to figure out how we can HELP these people that still have a chance to keep their homes. There are a whole lot more people that are just one late payment away from getting into arrears on their home loan. These are the folks we need to concentrate our energy on. There is hope! If you are in trouble, please read the following tips taken straight from the HUD web site. This will keep you out of trouble! If you are unable to make your mortgage payment : 1. Don't ignore the prob...