Sherrif sale as Tim mentioned (nice answer by the way Tim) or Trustee Sale, either one you will have to pay in cash, in fact, majority of auctions are and will need to be paid in cash. I am not "against" them just cause I am an agent and Realtor and we dont "make any money off them" but honestly, I believe they are better suited for investors than for your primary residence.
Please consider talking with a local agent or Realtor to weigh your options before you bid on a house. Best of luck.
Since no local answers yet--and if you don't find the information needed online, do keep in mind that any local agent can help you, contact any realty office and inquire--or contact any local Trulia contributor(s) directly and ask--under the find a pro tab.... more