A_garcia, the foreclosure process can be a complicated thing - full of variables. A "killer deal" is very much an individual perspective as anything else. One man's trash is another man's treasure and all... There are many parties to satisfy in a foreclosure & none of them are willing to accept less than they can or should get. Short of assuming someone else's loan to keep it from the foreclosure process, these "deals" aren't going to be ready for general consumption any time soon. And mortgage assumptions aren't the name of the game here. The situations you mentioned aren't the typical way it works. I'd steer clear of anything like this. Often times I find after reseaching inquiries like this, that they end up not being real deals or listings and often times just teaser listings to draw consumers in to collect their info.
I work with all types of foreclosures every day. From Fannie Mae, Freddie Mac, & HUD, as well as short-sales & REO (bank owned). What I'd suggest is that you don't fall prey to all of those Other "foreclosure websites" out there. The TRUE sources for foreclosed properties don't want your contact info, or for you to sign up or subscribe in order to view their "exclusive" listings. They just want their listings in your possession so they can MOVE the properties out of their inventories! :)
As far as purchasing a foreclosed property goes, the process is really pretty simple, as long as you have an agent that knows how it works & is detail oriented!
If you'd like more info or the government direct websites where to find ALL of these properties, just let me know!
HUD is also offering a $100 down program right now for buyers who would like the assistance! And USDA also has their own $100 down program as well for rural areas. I can also direct you to loan officers who are familiar with these programs & how they work and would love the opportunity to get you pre-approved so that you'll be ready to go look at these properties and take advange of the good deals. (The really good deals don't last long, so having a pre-approval in hand is key so that you'll be ready to act when you locate your good deal!)