Forclosure 是银行在卖吧?No, foreclosure is sold by county sheriff.
能讨价还价吗? No, it is live auction aka bidding.
贷款会不会有麻烦(其实才 2001的房子,估计屋主大兴土木还不上贷款)?Yes, foreclosure is usually due to mortgage default.
Lifecycle: Mortgage default => foreclosure => sold by sheriff => most times the lending bank buys the house back => REO sale (bank owned real estate sale)
I think you are confusing the foreclosure sheriff sale with the REO sale.