One guideline seems to be the same across the various investors: the earnest money deposit needs to be available BEFORE the offer is sent for signatures.
As always, for any questions regarding a specific property, contact the listing agent who will know the rules for that particular REO's property.
Contact me at 434-951-0858 or Tucker@TGBLaw.com if you have questions.
William D. Tucker, III
Tucker Griffin Barnes P.C.