Not sure where you are searching for the price of foreclosed homes. Check with your Realtor and they can tell you the listing price and how to proceed. Do be aware auction sites are very different from any other process and usually have a buyer premium due at closing in addition to the purchase price and title cost.
This varies state by state, but in general the HOA will have a lien against the property preventing you from transferring clear title at closing. Now you can have this taken care of at the title company at closing, just ask your Realtor.
The bank that has foreclosed is not interested in keeping the loan. You need to go to your local bank, get a lender letter and then have your Realtor write up the offer. If you are borrowing money you will make your payments to your lender.
Your first order of business is to contact your bank and get a proof of funds letter or qualified buyer letter. Your bank can Contact me regarding any foreclosure properties in St Francois County. All bank owned properties require the letter prior to making an offer. You don't want find the perfect home and miss it due to a delay in paper work. Let me know if can answer any other questions for you.
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