Need-to-knows when buying at auction

Complications could forfeit deposit

DEAR BENNY: I won the bid on a house at a public auction. I was required to make a deposit of $20,000 and now an occupant will not allow my mortgage appraiser into the property to do an appraisal. Without the appraisal, no one seems to be able to do the loan without 30 percent down. Is it possible to have a mortgage company do a drive-by appraisal with the purchaser making only a 5 percent deposit on the loan? –Lionel

DEAR LIONEL: I am confused. Did you know before you made your bid that there was an occupant in the house? Have you been inside to make sure that it is in good (or at least decent) condition?

Did the advertisement about the auction indicate that the house was occupied?