Foreclosure is a process and depending on the stage of the process the difficulty will vary.
You can buy a home that is being foreclosed on at 3 stages
1) Short Sale - Foreclosure process started.
2) Sheriff Sale - Home has been Foreclosed on.
3) REO or Bank Owned Sale - After foreclosure
If you contact me directly i can explain every step in detail and you can then make an educated decision what to pursue.
Realty Mark Cityscape
267 738 0886
The home or lot could be owned by HUD or a bank. The process is a bit different with each. Being in a new home by October is very doable so get yourself an agebt and a new home. Good luck!