I'm glad that you have the foresight to ask these questions well in advance of your home purchase. Although, the bank is the new owner of the property, they have never lived in the property and will not have a sellers disclosure. They are only focused on their net after the sale. It is up to you to do a thorough home inspection. Price a house accordingly with the repair cost built in. Have a contractor do a walk thru with you to get a better idea of the cost of rehab. You won't get to home inspection until after the contract is accepted by the bank. Go to the town (building department) and find out the permit history and see if it matches what you see inside the house. You will be inheriting any work not done to code and will have to remedy that situation.
As far as winterization, I have had banks de-winterized a house for me to conduct a thorough home inspection. I have also negotiated some major repairs from the banks. Let me know how I can help. I live and work in Parisppany.