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You cannot finance your purchase of a foreclosure home at auction. In most states, you will need to have cash either the day of, or the day after the auction.Of course YOU will be responsible for evicting the occupants after you buy the home, it will be your home that day, not the previous owners. Depending on state law, and your negotiation skills, this might take an action for forcible entry and detainer plus getting the sherrif to actually effect the eviction.Your questions about appraisal and loans don't make sense. You will simply not be able to get other financing until after you buy the home, evict the previous owners and take possession. There are some hard money lenders who will give short term loans, expect to pay 30% downpayment, 2 or 3% upfront fees and about 17% interest while you have such a loan.
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For Sale: $19,900
For Sale: $43,900
For Sale: $279,500