To follow up on Kay's answer, yes. If you want to purchase the home on the court house steps, you will need to speak to your lender of choice first and receive pre-approval. The lender will help you with the appropriate paperwork that you need to take. If the home is listed in HAR, then there are often special procedures and paperwork that is required, but the REALTOR will help you with this. In either case, pre-approval for a loan is always an important part of purchasing a home. If you need to speak with a lender, I know a great guy. Contact me and I will send you his information.