nj foreclosure questions??????

me and my husband would be first time home buyers and we were interested in buying a foreclosure that is not in bad conditions and does not need alot of work done. we would like to get a list of houses that were foreclosed for non payment of mortgage or taxes. i dont want to visit a website where you have to pay for a list i would like a list from either banks or the city. how can i get a hold of such a list and would it cost me anything? Has any one bought a foreclosured home in NJ? would buying a foreclosure be a good idea for us? also lets say we get approved for a loan and they approve us for more than what the house cost can we use the extra money to make improvements on the house.? thanks in advance.

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