Can bank block bringing loan current for Sub2 deal?

[Curtis H.]

Hi guys, 

I have a post one page back with all the boring details on this Sub2 opportunity. Seller is willing to deal, and I think I have a 85% shot at getting it. Here are my questions...

1) Can the bank NOT let me bring the loan current and still send to auction? Or if I bring the loan current the only thing left for them to do is possibly call the loan due? This home is scheduled to go to auction in about a week. I plan to get it under contract tomorrow with a 5 day inspection/due diligence contingency. 

2) Realtor is trying to double dip on commission. I don't have a buyer's agent and he is trying to get 6% on a $450K sale and leave the owners with nothing. My thought is he gets 3% (I am paying his commission) and he'll like it. Will there be a problem with this? 

3) I give him the $100 earnest money when we sign the contracts? Or that goes to escrow? Then I find a title company and schedule the closing?