You’re too close to auction date to get a successful offer tendered and reviewed. The auction will have come and gone before anyone at the lender even looks at an offer. You can, of course, attend the auction and bid for the property there, but be aware that the lender will also be bidding to insure that the sale price is sufficiently high to cover what is owed. If the sale price does not reach that level, the lender buys it at the auction (the result in over 90% of sheriff’s auctions). If this is a nationwide lender, you will then have to wait until the home is listed for sale with a real estate agency. They won’t deal directly with buyers, simply because they don’t have the skill to work with the various different real estate rules in the assorted states.