Hi Teri.....I think that's great that you're interested in the home. There are so many great foreclosure opportunities out there. Best bet for you would be to utilize a qualified Realtor who knows thier way around the foreclosure process, dealing with banks, and has familiarity with the inspection process and the PA's that banks utilize. The purchase will be as-is, and that adds an unusual twist to foreclosure sales. Although you could try to contact the bank, I've run into instances where they won't deal directly with a Buyer without a Realtor involved on both the Buyer and Seller side. My recommendation would be to have a qualified Realtor represent you and have him or her lower thier horns and get you the property you're after for a price that makes both you and the bank happy.
I do wish you the very best! Have questions, just let me know.
Thanks, Todd Norsted