REO will typically only have the investors name on it.
Typically buying a REO is the best way to wipe out all prior claims.
Could be they took deed in lieu instead of foreclosed.
It could take a day...could take months.
Best people to ask is title company.
They're the experts.
It would be a rare occasion you could close on a home that is not free and clear of old liens. It's not impossible, but the time to get them resolved is now. There are always all kinds of exceptions, but why would you want to close on a home with a lien that you might be obligated to pay?