REO sales

I suggest looking up the documentation on acris.
It's a pain, but read all the pages, find where it lists which bank, sometimes there is a phone #, or an attorney and their number on one of the transactions.
Pick up the phone and ask.

I did it once and the attorney answered my questions. It was different situation though, it didn't foreclose yet and it's actually still not foreclosed. I abandoned any further attention to it as it was a real mess.
Anyway, it requires being unbashful.

As to the bonus question, it's all about the details, there is no straight yes or no. But, if it's a good deal at the lien amount and you said you are interested in the lien amaount, don't be greedy.

After you have some dialogue and get the right info and the right party, maybe later after they are committed to some effort in dialogue with you they may entertain a bit more off. Baby steps.

For an example;

There was an apartment with liens and a total mess at 251 west 19th st apt 3c.
If you wanted info on this apat you could go to the acris page block 00769 lot 1314.
The "buyer" on the last deed documentation if you go to page 6 is "the bank of ny mellon." Then if you scroll down you see "buyer's attorney" Sara boriskin and a phone #.
You may get the wrong person but keep asking for a new contact to keep you on the trail or try other pages and other contacts in the acris pages, someone may put you in the right place.

If you indulge, let us know how it turned out.

For an example;

There was an apartment with liens and a total mess at 251 west 19th st apt 3c.
If you wanted info on this apat you could go to the acris page block 00769 lot 1314.
The "buyer" on the last deed documentation if you go to page 6 is "the bank of ny mellon." Then if you scroll down you see "buyer's attorney" Sara boriskin and a phone #.
You may get the wrong person but keep asking for a new contact to keep you on the trail or try other pages and other contacts in the acris pages, someone may put you in the right place.

If you indulge, let us know how it turned out.

For an example;

There was an apartment with liens and a total mess at 251 west 19th st apt 3c.
If you wanted info on this apat you could go to the acris page block 00769 lot 1314.
The "buyer" on the last deed documentation if you go to page 6 is "the bank of ny mellon." Then if you scroll down you see "buyer's attorney" Sara boriskin and a phone #.
You may get the wrong person but keep asking for a new contact to keep you on the trail or try other pages and other contacts in the acris pages, someone may put you in the right place.

If you indulge, let us know how it turned out.

Thanks! I have an attorney's name and number, I guess I'll call.

Not sure, but I think banks will generally ONLY entertain all-cash offers for REOs. Then there's a 6-12 month "seasoning" period before you can get a mortgage. But 30yrs might set me right on that ... ?

That's interesting. Is there really a no-mortgage period after a foreclosure? It would explain why the property is not listed.