If you have finally found the house you really like and already checked everything it is time for to write a purchase offer.
The first thing you will have to do is to determine the price. I think every buyer in any market would like to pay less than the asking price. So be exact with your price and state it in writing. If you want to write a successful offer, make initial deposit. It could be cash, personal check, cashier's check or other modes such as personal property, real property, mortgages or unsecured promissory notes. Spell out who will hold the deposit.
Don't forget to disclose your down payment when writing a purchase offer. Your down payment could be cash, promissory notes, stocks, real estate or other assets.
Certain contingencies can be included into your offer as well. A mortgage contingency is important for you because in case of an unsatisfactory appraisal or problems with your loan you will be able to call the whole deal off without the necessity of paying a penalty. You may also include appraisal and physical inspection.
You can also state several financing terms. Disclose the type of financing you hope to obtain. Some contracts allow you to specify a maximum interest rate, giving you a way to stop the deal if your interest rate comes in higher.
You may include the information about who is going to pay what at closing. These fees are usually a matter of negotiation. If you pay for the title insurance and loan coasts for example the title clearing costs may be the seller's responsibility.
And finally, state the expiration of your offer clearly. Sellers may be out of town and not able to give you the answer. You should give the seller enough time to think over your offer and write a counter offer. For these reasons read carefully your state contract laws regarding offer expiration.