My advice to you is to seek out banks that are used to the complications of dealing with the Foreign Service and Military... www.usaa.com or www.sdfcu.org. You can definitely join the SDFCU without being State employee.
I would also suggest that you appoint a person power of attorney - probably one of the family members that you mentioned. The Consular section of the Embassy can help you with that paperwork. Hopefully this will alleviate the banks concern regarding the fact that you won't be physically present in the house.... more
If you are talking about the initial deposit when you submit a contract offer, the foreclosure lender may set a minimum amount. If they don't then it is a negotiated item just like everything else on a contract offer. The Buyer will offer to the Seller what they want to put down in a contract offer and the Seller (foreclosure lender) will decide if the amount is agreeable. If you are talking about the short sales (the question asked about IN FORECLOSURE which could mean that the bank does not own the property yet), the initial deposit is negotiated between buyer and seller and normally does not have a minimum amount set by the seller in advance. The amount down for a mortage will depend on what type of loan the buyer is obtaining and a good lender will help guide a borrower to what is best for that borrower.... more