Cash to owner in foreclosure just before auction

[Web Slavens]

Hi all

I was wondering if anyone here has offered to buy a house that is just about to go to the foreclosure auction by offering to pay the amount due to the bank. As a bonus, offer the owner a certain amount of cash (i.e 5, 10, or 20K).  If so, how did you go about it?  Most importantly, if they accepted the offer how did you complete the process? Did you just meet at the title company with an agreement that you would pay the owner cash and they had to be out in a certain number of days? Thanks!