I guess your stuck....we know of no way to accomplish this since banks deal with property issues through real estate professionals. If you are a serious buyer, contact an agent today. AND the bank pays the agents professional fees.
The best way is to engage service of a real estate agent to help you with REO properties as soon as they come on the market.
You can purchase a foreclosure at a public outcry where they sell to the highest bidder. But, if you go this route, be sure you do your due dilligence. You don't know what you're getting--the condition of the house, any back taxes owed, any other items that can affect its title. You must check on these items before bidding on a property or you might be stuck with a lemon.
Best to you,
Realty Executives Associates
Banks rely on local agents to handle transactions. The properties are listed after foreclosure with a realtor on the MLS as a bank owned property. Prior to it being listed, you can purchase at Sheriff Sale. I have never been able to find out how to "cut" the listing agent out of the equation on the bank owned deals.
If it is listed with a realtor, you might as well use one since it is included in the price. It will make your life much easier since agents are experienced in working these difficult transactions.