sometimes the bank will use very low price to

get the attanetion of the investors or home buyers. But you may not be able to get it even though full price if they think the price is too low. It's like a "bait" for the fishing game.

Same for auctions. You can win the bid of the house, but it still needs to be approved by teh bank. If it is not over the price they accepted, the bidder may not be able to get the house.