How to bid at foreclosure auctions

[Arthur Schwartz]

I may be bidding at a upcoming foreclosure auction.  Terms appear to be 5% down in the form of a cashier's check; balance within 10 days.  Questions:  since i need a check in the correct amount, if i bring a check for more, do i get a refund?   also is it easy to refinance these properties (a singe family home)  if i pay all cash for the cashiers check and the 95% balance?  also, to whom is the check made out to?  me? also how do others handle the, "you can look from outside but cannot go in" issue? Thank you!