If they are not ready to LIST the house; heaven and earth could not move them.
When they are ready, they want to LIST the house with a Realtor of their choice:
They also require that the Buyer be represented:
Early on; they had too many deals fall out of Escrow, for one reason or another, and that is very expensive for them. And that is not even considering the potential for lawsuits.
Often, there is a long wait, from the Trustee Sale (Foreclosure) to the LISTING.
That is just the way it is.
If the home is listed with a real estate brokerage, you will need to make the offer through the listing agent. It would be in your best interest, however, to have your own buyer agent to represent you, as the listing agent represents the bank. Your agent would present the offer to the listing agent for you. You will need a pre-qualification letter up front, as well as the required earnest money.
With some HUD and other REO properties, you will be required to bid on line through your buyer agent. With these properties, you will need to use an agent whose brokerage is registered with HUD. Bidding can be a lengthy process and many steps need to be followed exactly according to directions for your offer to be considered.
Real Estate Professional
Russell and Jeffcoat Real Estate, Inc.