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Your Free Auction.com account is required in order to use our various Online and Remote Bidding features. In addition, your Free Auction.com account gives you access to tailored resources, important Due Diligence Resources, Alerts, Saves Searches and more.

• Click the Sign-Up button on the upper right corner of the Auction.com Homepage.
• Enter your information on the Sign-Up form.
• When entering a County, City, or Zip Code, please choose a selection that appears in the drop-down box. When selected, your area of interest will appear in a grey box.
• Please read the Terms of Use and Privacy Statements, then click on the blue Sign-Up button.

Creating an account on our website is essential for buyers for numerous reasons:

• An account facilitates a tailored buying experience, allowing us to recommend properties that match your interests and preferences.
• By logging in, you can access your purchase history, save items to your Saved Assets Dashboard, and receive updates on new arrivals and exclusive offers.
• An account enhances security, ensuring that your payment information and personal details are protected.
• With an account, you can also track your Winning Bids and view their status in real-time, giving you peace of mind from the moment you Win to the moment you Close.
• An account grants you access to our customer support team, who can assist you with any questions or issues you may encounter.
• An account unlocks your ability to utilize Auction.com’s Remote Bid platform, allowing you to participate in select live foreclosure auctions from the convenience of our exclusive app.

No. For security purposes, all bidders must have their own Auction.com account.

• Click the Log in Button at the top right corner of the navigation bar on the Homepage.
• Click on the Forgot Password link just below the box to enter your password.
• Enter your e-mail address in the Forgot Password box and click Submit.
• Follow the instructions sent to your e-mail.

• Auction.com does not have a subscription service and is a free platform to use.
• If you would like to deactivate your Free Auction.com account, you can do so in the following ways:
  • Accounts can be deleted via the Auction.com app. Simply:
    • Locate “Settings”
    • Click on the three lines that say MORE
    • Proceed to the Delete Account tab
  • You may also deactivate your account by:
    • Completing a OneTrust Privacy Request that is accessible via our Privacy Policy Page or by clicking HERE
    • Call our Buyer Experience Team at 800-763-6107.

Yes. You can find our free Auction.com App on the Google Play Store and the Apple App Store. Links are available below.

Many app issues result from being out of date.  Please check your app store to see if an update is available. If no update is available, you may want to consider uninstalling the Auction.com App and reinstalling a fresh copy. This resolves most issues.

If you haven’t closed on an online, non-foreclosure property, Auction.com limits the number of active registrations to help ensure a successful bidding and closing experience. You can register for up to 3 auctions at a time. To unlock an additional auction registration, you can create a Purchase Profile. A Purchase Profile helps streamline the first step of the closing and purchase process once you’ve won a property—and completing it will allow you to register for one more auction beyond the initial limit.

A Purchase Profile is an online form that you, the buyer, complete before winning a property on Auction.com. It includes key details such as how you intend to use the property (e.g., investment, primary residence) and other required information to facilitate your purchase. Once submitted, your Purchase Profile is used to automatically populate the Contract Information Form after you win an REO Bank Owned or Private Seller property, or to complete your Certificate of Sale for a foreclosure purchase via Remote Bid.

Efficiency & Speed
By entering your vesting and mailing information in advance, you can complete your purchase faster—without having to fill out the same details each time you buy. This lets you quickly move on to your next opportunity.

Multiple Profiles for Flexibility
If you’re a proxy buyer or investor purchasing multiple properties, you can create and save multiple Purchase Profiles with different vesting details. This makes it easy to reuse information across future purchases, saving time and reducing manual entry.

Accuracy & Convenience
The information in your Purchase Profile is used to generate your contract (for REO Bank Owned properties) or Certificate of Sale (for foreclosure properties). Providing accurate, complete details helps prevent delays or issues in the contract process.

Streamlined Remote Bidding
If you’re bidding remotely on a foreclosure property, you’ll need to complete a Foreclosure Purchase Profile in the Auction.com app or through the Buyer Dashboard before bidding. This profile includes how you want the deed to be titled, which will appear on your Certificate of Sale if you win.

To participate in an REO Banked Owned or Private Seller auction, you will need to sign in or create your free Auction.com account. Once signed in, you can search for Banked Owned or Private Seller properties by clicking on the Buy button on the navigation bar in the upper right corner and selecting Bank Owned or Private Seller. When you find an REO banked Owned or Smart Sale property and have completed your due diligence, you can click on Register for Auction on the property’s information page and follow the on-screen instructions.
For additional information, please review our Winning Bidder Resource Center or check out our REO 101 Webinar

To register for an online auction:

• Log into your Auction.com Account with your e-mail address and password.
• Locate your property of interest either by searching for it, or if saved, go to your Buyer Dashboard.
• Click on either the Register button from your Saved Assets Dashboard or click on the Register for Auction button located on the Property Information Page.
• Please note, if this is your first time registering for an REO banked Owned or Private Seller online auction, you will be prompted to verify/confirm your Identity, as well as confirm your phone number and e-mail address if these steps have not already been completed.
• Please ensure that your registration information is correct and click Continue.
• Read and review the Due Diligence and Participation Terms, clicking the check boxes indicating that you have read and understand each.
• If the property requires a Bidder’s Deposit, you will be prompted to pay it at this time if you do not already have a deposit on file with the Auction.com Wallet.
• Click Accept and Register.
• A confirmation e-mail will be sent to you upon completion of your registration.

• If you placed a bid deposit on that particular property your deposit will be retained as liquidated damages.
• Your account will be suspended or restricted from bidding on REO Banked Owned properties.
• You will lose the ability to bid on the property that you are cancelling or not performing on in the future.
• If your account is at risk of suspension, you will receive an email with details about the next steps and what actions you can take to potentially avoid or resolve the suspension.

Auction.com allows only one account per bidder, and to ensure the integrity and security of our auctions a phone number can only be associated with one Auction.com account. If your phone number is not going to be associated with a given purchase, you can update this information using a Purchase Profile for any given purchase, as well as add multiple points of contact.

Auction.com, like many other platforms, typically restricts the association of a single phone number to one account for several reasons:

• Security and Fraud Prevention: Limiting one phone number to one account helps prevent fraudulent activities. It ensures that each account is uniquely identifiable and reduces the risk of multiple accounts being created by the same individual for malicious purposes.
• Account Recovery: Phone numbers are often used for account recovery processes. If multiple accounts were associated with the same phone number, it could complicate the recovery process and potentially lead to unauthorized access.
• User Experience: Ensuring that each phone number is linked to a single account simplifies the user experience. It avoids confusion and ensures that users receive notifications and communications related to the correct account.

We require that your phone number be verified to protect the integrity of our auctions and help ensure reliable communication between you, the responsible bidder, and us.

• Security and Integrity: Verifying phone numbers helps ensure the integrity of the auctions. It confirms that each account is associated with a unique and valid phone number, which helps prevent fraudulent activities and ensures that only legitimate bidders participate in the auction.
• Communication: A verified phone number allows Auction.com to communicate important updates and notifications to bidders. This includes alerts about auction status, bid confirmations, and other critical information related to the auction process.
• Account Verification: Phone number verification is part of the identity verification process. It helps authenticate the identity of the user, ensuring that the person creating the account is who they claim to be.
• Customer Support: Having a verified phone number on file allows Auction.com to provide better customer support. If there are any issues or questions regarding a bid or auction, customer support can quickly reach out to the user via their verified phone number.

No. Auction.com takes matters of privacy seriously and will only use your phone number for communication regarding properties you are bidding on or are under contract with. View our Privacy Policy for more information.

Due diligence research is an important part of the pre-auction process and can include a variety of steps. We encourage that you use local and public sources to get any information you can on the property and surrounding neighborhood. This can include Public Records regarding Taxes, Title, and Liens; Code Violations; Obtaining a Title Report; researching renovation and repair costs for most common items; and more. Please go to our Winning Bidder Resource Center as well as review the REO 101 Webinar for more information.

We require that your phone number be verified to protect the integrity of our auctions and help ensure reliable communication between you, the responsible bidder, and us.

• Understanding Property Condition: Due diligence allows buyers to validate a property’s condition and title status. This includes researching the property’s title report and possible liens, which helps ensure there are no hidden encumbrances or legal issues that could affect ownership.
• Informed Decision-Making: By conducting thorough research, buyers can make informed decisions about their bids. This includes understanding the local market value, property condition, and any potential risks associated with the property.
• Avoiding Legal and Financial Mistakes: Due diligence helps buyers avoid legal and financial pitfalls. For example, properties sold at auction are typically sold “as-is,” meaning the buyer is responsible for any issues with the property. Thorough research can help identify potential problems before bidding.  In some cases, interior access may not be available prior to the auction and bidders should account for the risk of unknown issues while bidding. 
• Confidence in Bidding: Completing due diligence gives buyers the confidence to participate in auctions. Knowing that they have thoroughly researched the property and understand the terms and conditions of the sale allows them to bid with greater assurance.

“Cash Only” for foreclosure properties means that the full payment must be made in cash at the time of sale or shortly after, as detailed in the Notice of Sale. Usually, a Cashier’s Check is required at the auction as a deposit or full payment. If only a deposit is required, the remaining funds must be accessible within the specified timeframe. Refer to the Due Diligence section on the property page for specific funding requirements.

“Cash Only” for an REO Banked Owned property refers to non-contingent cash available in accounts like Savings, Checking, 401(k), IRA, or lines of credit such as HELOC. These funds cannot require property inspection or appraisal. Conventional mortgages like FHA or 30 Year Fixed are not considered Cash Only.

Information is available on the individual property details page regarding acceptable financing types, due diligence, and other helpful information.

All REO Banked Owned property sales are subject to Seller’s Reserve and Confirmation. The reserve price is generally regarded as the lowest bid the seller is willing to accept as a winning bid and is not typically disclosed. When bidding, notification will be given once the seller’s reserve has been met. All bidders are encouraged to bid up to their highest and best offer.

Typically, when the reserve is not met, the property will not be sold and will be automatically placed into a new auction event the following week. The seller does have the right to sell a property below the established reserve. Should this occur, the property will be considered Sold Subject To.

• Seller’s Discretion: The reserve price—the minimum the seller is willing to accept—is often kept confidential at the seller’s request. This gives the seller greater control over the auction process and the opportunity to secure a higher final bid.
• Auction Strategy: Keeping the reserve price undisclosed encourages a more competitive bidding environment. Bidders are motivated to place higher bids to meet or exceed the unknown reserve, which can help maximize the final sale price.
• Seller Flexibility: Not disclosing the reserve also allows the seller to remain flexible. Depending on bidding activity, the seller may choose to adjust their expectations or accept a lower offer than originally planned.

Bid Increments are set to keep the auction moving efficiently toward the seller’s reserve price. As the auction gets closer to finalizing, the bidding increments may decrease to give more flexibility to the bidder.

Counter Bidding is a common practice used by all major auction houses. Auction.com will counter bid on behalf of the seller to move bidding activity closer to the Reserve Price, or minimum price that a seller will accept. Auction.com will not place a bid that meets or exceeds the Seller’s Reserve Price.

• Exclusive Access: The First Look Program offers an exclusive 30-day period during which owner-occupants, government entities, and non-profits engaged in community stabilization can purchase properties without competition from investors.
• Eligibility:
  • Owner-Occupants: Individuals who intend to occupy the property as their primary residence. They must sign an affidavit agreeing to live in the property for at least one year after purchase.
  • Government Entities: Must provide a letter on government letterhead certifying their status as a municipality. Non-Profits: Must provide entity documents certifying their status as a qualifying non-profit. 
• Program Benefits:
  • Early Listing Access: Provides priority access to help strengthen neighborhoods and decrease neighborhood blight.
  • Fewer Auction Participants: Limits bidder registration to allow better opportunities for those working to benefit communities.
• Implementation: The program is part of Auction.com’s efforts to support community improvement by making more single-family homes available to owner-occupants and other select groups.

Once you are declared the Winning Bidder at the end of the auction, you will receive a Winning Bidder e-mail. This e-mail will contain important instructions related to your next steps in the purchase process. Please review our Winning Bidder Help Center to learn more.

A Purchase Profile is an online form that you, the buyer, complete before winning a property on Auction.com. It includes key details such as how you intend to use the property (e.g., investment, primary residence) and other required information to facilitate your purchase.
Once submitted, your Purchase Profile is used to automatically populate the Contract Information Form after you win an online property, or to complete your Certificate of Sale for a foreclosure purchase via Remote Bid.

• Efficiency & Speed
  By entering your vesting and mailing information in advance, you can complete your purchase faster—without having to fill out the same details each time you buy. This lets you quickly move on to your next opportunity.
• Multiple Profiles for Flexibility

  If you’re a proxy buyer or investor purchasing multiple properties, you can create and save multiple Purchase Profiles with different vesting details. This makes it easy to reuse information across future purchases, saving time and reducing manual entry.
• Accuracy & Convenience

  The information in your Purchase Profile is used to generate your contract (for REO Bank Owned properties) or Certificate of Sale (for foreclosure properties). Providing accurate, complete details helps prevent delays or issues in the contract process.
• Streamlined Remote Bidding

  If you’re bidding remotely on a foreclosure property, you’ll need to complete a Foreclosure Purchase Profile in the Auction.com app or through the Buyer Dashboard before bidding. This profile includes how you want the deed to be titled, which will appear on your Certificate of Sale if you win.

As the auction gets closer to the reserve, bidding increments will decrease to give more flexibility to the bidder. As the bid increments decrease, it is a good indicator that the seller’s reserve is close to being met.

Max Bid lets you tell Auction.com the highest amount you’re willing to pay for a property, then we’ll automatically bid for you up to that limit. You can set a Max Bid before the auction begins or anytime while it’s live. Once the auction starts, we’ll place bids on your behalf, starting at the opening bid and following the set bid increments.

If another bidder outbids you, we’ll automatically place the next available bid—just enough to keep you in the lead—until you either win or your Max Bid amount is reached.

Please Note:

• A Max Bid is only placed after you’ve been outbid, and only if the next bid doesn’t exceed your maximum amount.
• If your Max Bid has been reached, you can still place a new Max Bid or continue bidding live.

Yes, the Seller has the right to accept a bid below reserve at their discretion. Because of this, you are encouraged to always bid up to your highest and best bid, and all bids should be treated as a potential winning bid.

The Opening Bid is a starting point for the auction. It is possible for the Opening Bid to also meet the Seller’s Reserve Price. The Property Page will tell you when the Seller’s Reserve has been met, so we encourage that you continue to bid until either your highest and best offer has been placed, or the reserve has been reached or exceeded.

Bids placed within the last 2 minutes of the auction will result in the Auction Clock being extended. This is to allow bidders who were outbid a chance to place additional bids, giving everyone a fair opportunity to place their best and highest bid.
All offers must be submitted to the seller via a bid at auction.  Auction.com does our best to work with sellers to help them to accept all realistic bids.  We negotiate with the seller on the bidder’s behalf.

The auction may be extended for up to 24 hours as part of Auction.com’s “Extend the Bid” program. This extension happens during a Foreclosure auction. If a property doesn’t sell to an investor during the Foreclosure auction, it may be selected to stay open for an extended time — giving you more time to place a bid. When this happens, you gain two key advantages:
1. You know the property is cleared and available for sale.
2.You see the amount needed to place a competitive, potentially winning bid. This additional time allows you to act confidently and competitively, knowing the property’s status and the bidding threshold.

In most cases, no. Most properties on Auction.com are sold as-is and do not offer interior access, making it difficult to meet the requirements for traditional financing. For this reason, many properties are listed as Cash Only.

However, if the property is listed as an REO Bank Owned or Private Seller property, the seller may accept non-contingent financing. This can include:

• A non-contingent hard money loan
• A cash line of credit
• A home equity line of credit (HELOC) secured by another property you own

Please note: All funding sources are subject to seller approval and acceptance. The seller will not accept financing that requires an appraisal or inspection of the property being sold.

Looking for properties eligible for financing?
Go to the search page, find the “Condition” filter, and select “Eligible for Financing.”

You can also use this direct link to search: Eligible for Financing Properties

Yes, you can. However, the Contract Information Form and Purchase Profile currently support only a single purchasing entity. That entity may be owned by up to three separate entities.
If you need a purchase to be vested to more than one separate entity, our Buyer Experience Team will be able to assist in the completion of your Contract Information Form.

The first step will be to find a Foreclosure property on the Auction.com website. Once there, you can click on the Buy button on the navigation bar in the upper right corner of your screen and select Foreclosure. This will show you all Foreclosure auction listings in your immediate area. You can change your search area by typing in a County, City, or Zip Code in the search box located on the upper left of the navigation bar.

Once you have found a property of interest, you will:

• Conduct your Due Diligence Research.
• Decide if you will participate live and in person, or via Remote Bid™ (Select States and Counties) – Please see Below on Remote Bid Processes.
• Review the Property Information Page for payment requirements. This can be found in the Due Diligence Section, Part 4 – Prepare for Auction.
• When you arrive at the auction event, you will need your valid photo ID, the Auction.com App with your Bidder Profile and QR code completed (for Auction.com events only), and your Cashier’s Checks satisfying local deposit requirements.

Please Note – You can attend a live auction without the intent to bid to learn more about the process.

Yes—you may be able to bid remotely through our Remote Bid service, which allows you to participate in a live Foreclosure auction without being physically present at the sale location. To use Remote Bid, you must first qualify. To learn more about how Remote Bid works and the steps to qualify, visit our Remote Bid Resource Center. When you’re ready to start the qualification process, simply click “Qualify for Remote Bid” within the Resource Center or find it in the settings menu of the Auction.com app. Qualification is simple and includes the following steps:

• Complete your Bidder Profile and generate your QR Code in the Auction.com app.
• Create a Foreclosure Purchase Profile in the Auction.com app or on the website. (Please note: this is different from the REO Bank Owned Purchase Profile.)
• Complete the Remote Bid Agreement form via DocuSign

Once you have qualified for Remote Bid, you will receive instructions on how to fund your Remote Bid Account. Please review our  Remote Bid Resource Center. and schedule a meeting with a Remote Bid Specialist with additional questions.

Most Foreclosure sales require full payment at the time of the sale, although these requirements can vary depending on the state, county, and sometimes even the property. Each Property Details Page will give you payment requirement details (when available) in the Due Diligence Section, Part 4, Prepare for Auction. You can also find this information on the Published Notice of Sale in the county newspaper.

With Foreclosure sales, you will be receiving a Trustee’s Deed, Sheriff Sale Deed, or equivalent. They do not have an expressed or implied warranty on the title. Local state law dictates what kind of liens and liabilities, if any, are carried over to the new owner during a Foreclosure. You are encouraged to conduct your Due Diligence on the deed and title and consult local professionals to determine if there are any liens or liabilities that you will be responsible for.

A Foreclosure sale can be postponed or canceled for any number of reasons. To keep up to date on property information, we encourage you to save the property as a favorite to receive e-mail notifications and to more easily find its live, real-time status in the Auction.com app.
Some reasons for a property being Postponed or Canceled can include:.

• The Homeowner and Lender have agreed to a postponement, usually to accommodate a Loan Modification or other similar process.
• Bankruptcy Filing: When a homeowner files for bankruptcy, this often places a hold on the property while the legal bankruptcy proceedings are taking place. Once the Bankruptcy has reached a certain point, the Foreclosure will either cancel or resume.
• The Homeowner may have sold the home to settle the Foreclosure. Please note we ask that you do not contact the Homeowner, as trespassing is considered a criminal offense. Should the Homeowner attempt to sell the home, it will likely be listed with a local Real Estate Agent.

Yes. In the Auction.com App, we have Foreclosure Interact. This feature monitors property status live in real time. When you have properties saved as favorites in the app, you will, in most cases, receive notifications via push and/or e-mail as to any changes to the property status. We encourage you to check the status of the property in Foreclosure Interact before leaving for the auction event. Please note that if Auction.com is not conducting the auction, we advise that you check with the sheriff’s office, county court, or the foreclosure attorney firm website for additional information.

Yes, an Event Calendar is available. To access it, click the Buy button in the Navigation Bar on the right and select Event Calendar. You can filter by state, date, and other criteria to view upcoming inventory listings. Additionally, you can review past events to check if various properties were sold, canceled, or postponed.

You can download an inventory list via the Auction Event Calendar. Please note this list will not contain winning bid amounts but will have the most up to date property status as of the time the document was generated.

If you save a property, you will receive an email status update. If the sale price is available, it will be included in the email. Additionally Winning Bids can be found in the Buyer Dashboard under Saved Assets, or in the Bid History for Remote Bid on the Auction.com app.

Auction.com is not conducting this foreclosure auction. Where do I go to find out more information on this auction? Please note, if the auction is not being conducted by Auction.com, we may not be provided with the most up-to-date information. Please refer to the county or trustee.

Yes, you can use a Real Estate Agent on any REO Bank Owned or Private Seller property; however, please note that a Broker’s Commission is not always offered. We recommend reviewing the Property Details Page for Broker Co-Op information regarding any available Real Estate Agent commission. Additionally, some sellers may not permit an agent to be added to the transaction if a commission is not offered.

Please be aware that when registering an account on Auction.com, there is currently no “agent” account designation; accounts are registered as individual buyers.

If you are declared the Winning Bidder, your Real Estate Agent can be added to the purchase process (if permitted by the seller). To add your agent, you will need to provide the following:

• Agent’s Name
• Agent’s Phone
• Agent’s Email
• Agent’s Brokerage Address
• Agent’s License Number

You can collect and save your agent’s information in advance by completing a Purchase Profile.

Commissions vary among REO Bank Owned, Private Seller, and Smart Sale properties. Please review the Broker Co-Op section of any given property page to see details on the commission when available. By law, commissions are not allowed on Foreclosure sales.

Auction.com offers Broker’s Co-op commissions on select properties, giving you the opportunity to earn a commission for representing and assisting buyers through a successful closing. Many of these properties are exclusive to our platform, providing valuable opportunities to help your clients access inventory they may not find elsewhere. View all properties offering Broker’s Co-op commissions here.

When you are the winning bidder, you will receive an e-mail with important post auction instructions. You will be required to:

• Complete your Contract Information Form within 3 hours of winning the auction. While you can pre-fill much of the required information in advance by creating a Purchase Profile, you will still need to log in and complete the form by clicking through and confirming your details to ensure the Purchase and Sale Agreement (PSA) can be sent. Please note: Additional seller-required questions (such as those required by Freddie Mac or Fannie Mae) may not be included in the Purchase Profile and must also be answered before the PSA can be issue
• Review and sign your Purchase and Sale Agreement within 1 business day of receipt.
• Provide Proof of Funds within 1 business day of receiving your Purchase and Sale Agreement.
• Provide Receipt for your Earnest Money Deposit within 1 business day of receiving your Purchase and Sale Agreement, unless otherwise noted

Please Note: Details on these processes can be reviewed at our REO WINNING BIDDER RESOURCE CENTER

The Seller must approve the bid before the sale process is finalized. You will be expected to complete all contracting obligations prior to Seller’s approval.

Once you have completed all contracting obligations, and the seller has approved/accepted the contract, the Buyer Executed Contract will be sent to the seller for review and signature. Once the seller has signed, the contract will be fully executed and the closing process will begin. You will receive a copy of the fully executed contract, which may be provided via DocuSign, email, or accessible in your Auction.com dashboard.

Please note that you may receive additional instructions from either Auction.com or the Seller’s Closing Company regarding the transaction, depending on the specific nature of your transaction. Once you are under contract, the Closing Company handling the transaction will become your primary point of contact, as they will be managing the closing process and guiding you through the necessary steps to complete your purchase.

The Foreclosure process is generally state specific, but in general, the following processes will occur:

• In many states, payment for the property is due in full at the auction event. The most accepted form of payment is a Cashier’s Check. Please refer to the Due Diligence Section, Part 4; Prepare for Auction for any property specific payment details.
• Once your deposit or full payment is completed, generally, a Certificate of Sale is issued to the Winning Bidder. Please reference your state’s government websites concerning Foreclosures for specific details regarding this process.
• Once the full payment is completed, a deed will be processed. This can take an average of 4 to 6 weeks depending on the state and county. Please check state requirements to confirm if you or the attorney firm is responsible for recording the deed. As the buyer, you will want to ensure that the deed is recorded.
• Access to the property is not permitted until the deed has been recorded. Please do not attempt access, even if the property has been abandoned/vacated, until you have been given authority to access the property. You may want to consult a local real estate attorney for guidance.

Yees, you can purchase the property and have the deed vested into an entity, such as a Limited Liability Company, Trust, etc. We recommend speaking with a local attorney or checking with the Foreclosure Attorney Firm for any information regarding specific documentation (if any) that is required.

After the auction has completed and you have submitted your Deposit or Payment, you typically will receive a Certificate of Sale, and the deed is most commonly processed and provided to you within 4 to 6 weeks. Please check your local state processes to determine if you or the Attorney Firm will record the deed. You are responsible for ensuring that the deed has been recorded.