Hard Money to Buy Foreclosures

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I am trying to figure out how to use hard money to buy a foreclosure at auction. I spoke with a lender here in Washington but they require you to also use their real estate agents. The agents charge 3% of sale or assessed value, whichever is more. I don’t see the value in using these agents - I am an agent myself. 

Another hard money lender I spoke with can’t do same day funding so they can’t help me at the auctions. 

How do people get financing from hard money lendera to buy at auction?