When buying a home that has been purchased by a bank and is now listed for sale over the amount that would be owed by owners if they use the Right of Redemption after a year. If they come back they only have to pay what bank bought home for, we purchased over that, how do you protect the money that is over the original bank purchase and what owners owed. Bank bought for 450,000. Listed for 589,000. Bought for 650,000. What happens to the 200,000 excess? We lose it? Bank gains it? Haven't closed yet still researching, need to find a way to protect that 200,000.