found a house thats going to foreclosure...help??

hey, I found a house that I think would be a perfect fixer upper and I looked it up on the clerk’s website for my county and it is going to auction in 2 weeks. I know who the bank is that holds the mortgage and I know what the owner bought it for. Im having a hard time getting in contact with the owner of the house, Im not even sure if she’s alive or not…can I just call the bank and offer to pay off the loan in cash before the auction? How can i go about getting this house if I have cash to buy it, before the rest of the town goes to the auction? Thanks.

I know that you can’t just pay it off and get the house; if you pay it off you will then become the morgator who is holding note, but you will not own the house, you would have to then move forward with foreclosing on the house yourself to actually own the house through that method. What I suggest is, if you have already sent a letter or made phone calls to the homeowner, I would drive out, knock on the door, and try to talk with someone. If you like the deal possibilities by all means go for it but remember if it doesn’t work out there will be others.

Good Luck.

ok thanks a lot. Yeah i tried to call numerous times but I dont even know if the phone number is correct because the lady has like 10 addressses in her name, which really doesnt make sense to me. Im assuming she died? And in the foreclosure records it shows the defendents to be John Doe and the lady…so does that mean she has heirs or she is married?? Im new at this…