Lenders and banks reclaimed a lot of houses recently because of the economic crunch. Banks have foreclosed different houses-from bungalows to mansions-because their owners have not been able to pay mortgage fees. But one man's loss can be your gain. You can benefit from the wave of foreclosures by shopping around for your dream home since these properties are sold at a much cheaper price than their actual values. Here are some tips to get you started.   * Make a list of what kind of house you want. Should it have an attic? Should it have three bedrooms? Should it have a two-car garage? List down your needs as well. This will make it easier for you to shop around for houses in listings and auctions.   * Search for listings in classified ads, newspapers and public records for foreclosed property. Make sure to write down or mark houses that fit your requirements.    * Always ask to see the property, if possible. Hire an inspector or bring a professional along to help you check for problems like gas leaks, moulds, rotting wood, etc.   * Determine how much you have to spend to repair or add to the existing house. This can give you an idea if the house is selling for a fair price or if you'll have enough money left over after buying it for repairs.   * Always negotiate with the bank and always set a maximum bid if you go to auctions. Make sure that you don't overbid!   Buying your dream house from a long list of foreclosed property requires patience, effort and a lot of diligence. Remember that it takes time to be able to get the best house at the most reasonable price.