Finding REO Properties

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we are going to be first time investors (in GA) and we are having a really hard time finding a property in our price range... we want to find a bank owned property but i really have no idea where to even look! i've signed up for realtytrac.com, for the free trial only :) .. anyway i get a few addresses of potential properties and we go look at the but it looks like people are living there????!?!?! how current are acutal websites? i know the hunt for a profitable property is the hard part but i think we just need some guidence on where to look!?!?! we thought about buying from an auction but i heard you have to have cash or a cashiers check for that! i don't want to be discouraged but i had no idea finding the right house would be this hard :( would our best bet be hiring an agent? we are trying to save on expenses since we have a limited budget..

please help us!! :crying: