Want to purchase an auction.com home using a hard money loan

I am new to investing.  I am looking to gain knowledge about auctions.  I would like to bid on a home through auction.com.  I would like to use a hard money loan to do so.  I don't understand the process, so I need help.  My hard money lender stated to me that they would need 30 days as well as an appraisal.  How is that possible when you don't have access to the house.  I read some information on auction.com that was related to this situation.   This particular page gave a step by step look into the bidding process.  It states that an appraisal would take place after you have the winning bid.  What if the appraisal comes back and the bank offering the hard money loan decides not to provide you the loan?  Will I lose my money that was given towards the down payment?  I just want to understand more exactly how a hard money loan can be used to purchase a home on auction.com