Question re: Bank Owned Santa Maria, CA

I’d like to purchase a bank owned property before it’s listed on the market and I see that the bank is already fixing it up, which I’d rather they didn’t.

  1. Should I call the bank directly and express interest in a sale pre-market?

  2. If I don’t have an agent as a seller will that affect the amount the bank gets paid. In other words I guess, will they have an agent before it goes on the market that would get paid commissions anyway?

  3. Will they usually let you look at the inside in this instance?

  4. What is a typical offer on these types of properties? Middle end of estimated value plus repairs done???

  5. What advantages might I have by contacting them pre market status?

Any other suggestions? It’s Coldwell Banker.

Thanks for all input!