Wholesaling REOs?

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Hello biggerpockets members! I may have a silly question but I am intersted in wholesaling REOs and there are a few properties that I found online. My question is how do I go about calling the lender? I understand that I can simply mail them a letter, but if I want to actually speak to someone? Can someone please lead me in the right direction? Also is there a special clause that I need to put in the contract if Im planning on assigning it to another buyer? Any feedback will be greatly appreciated. Happy investing to all :-)