Have you found a home yet. Coldwell Banker Heritage has a huge bank owned division. Probably the first thing you need to do is to talk to a lender and get a pre-approval letter. The banks will only consider offers from buyers who have been pre-approved. Scott Rife at US Bank is a loan officer who has experience with bank owned properties. You can reach him at www.srife.com or 937.430.3344 You can tell him I sent you. Once you get pre-approved, you will need to choose a Realtor to help you find a property. I would be glad to help and have experience with purchasing bank owned properties.