@Dan Mcguire check out NASB, North American Savings Bank, Jason Zook loan officer.

Very curious about auction.com I found a house that I am interested on auction.com but have never purchased anything from them... any buyer beware or any red flags?

I wouldn't think the 15K difference should raise any red flag, but, as always, it is ultimately the underwriter's decision. 

Any red flags or risks I should look more closely into?

A crazy statistic that I threw at my kids is that the average amount of money in an Americans savings account is less than $5000!

., Fidelity, Chicago Title, Stewart, First American).  

If they are it should be a huge red flag.  

While you can find some deals around 9%, I think that the fact California has seen sub 4% rates is a red flag (in my personal opinion and I would be glad to hear contrarian opinions).

Originally posted by @Mindy Jensen:@Bob Bowling, I should probably just bite the bullet and hop on a plane to Hawaii to diagnose this issue in person...And people say that Americans have lost their problem solving skills and desire to provide excellent customer service. 

Nothing, but pain awaits you there.2) The other red flag is that the owner wants to do all-cash.