Confused on your question regarding the first home - if it is foreclosed upon and bank owned - the auction took place and the bank took back ownership. If its still in pre-foreclosure status, the home will go to auction. You can go to the County website in which the home is located and provided you know the address and/or owner's name you should be able to perform a search. I know with Essex County only the homes up for auction for that week are listed so you would have to check back week to week. Again, if you know the address, you have the option of contacting the homeowner directly.
Regarding the second home, what is the status - REO or pre-foreclosure. A pre-foreclosure doesn't always mean the house is available for purchase. The owners may have defaultd on their loan but could have made other arrangements with the lender such as a workout, loan mod or even cured the default by paying what was past due. Again, if you know the address, you can contact the owner directly.
I'm not in your area so I cannot assit you in purchasing a foreclosure home but you should find a buyer's agent with experience in REO/short sales.
Gina Chirico, Sales Associate
Prudential NJ Properties