If you're interested, don't wait because the Canadian Government Grants for first time home buyers program is over in March 2009. Foreclosure happens because of a variety of reasons to most home-owners, but the most common reason today is the type of loan adjustable rate those individuals took out on their homes. Now, it is way easier these days to find the names of home-owners in pre-foreclosure than it used to be and as a result contacting them is easier too. In the old days it used to take a lot of time to find and contact all the default mortgages out there. When deciding whether or not