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SO YOU'VE DECIDED TO BUY A HOME... Part 4
When You Find The House You Want To Call "Home"
It's time to prepare an offer. This is where you hope you've chosen a qualified agent. Your mutual goal should be to negotiate the lowest possible price in the shortest period of time, with the most favorable terms. An experienced agent will be able to help gauge a fair price and will negotiate with the seller and seller's agent for you.
Identify the maximum amount you can afford before you submit your offer, to keep you from going over your budget in the excitement. Ensure your offer is within your price range and include the letter of pre-approval from your lender. This will provide the sellers with a strong offer in case there are other offers on the same property.
If you have contingencies or conditions, attach them to your offer as well. Be ready to include a deposit check, which will be part of the down payment if the deal goes through.
The seller may accept, reject, or counter your offer within hours or it may take days, depending on the quality of your offer and the seller's desire to sell. You can either accept the counteroffer or "counter the counter." Once all parties ... more

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