Nadia,

Yes, you can make an offer on a home to the bank and see if they will take it. Keep in mind that bank, just like sellers, are looking to net the highest amount possible for the home. Good news is that they're generally priced well and ahead of the market.

Also, many agents like myself, deal with investors who handle foreclosure bought properties and those can be fantastic deals without having to wait for bank replys or terms. Definitely consult your agent about those properties as they are readily available in Clark County.

It's your offer. No one can tell you what you are willing to pay, however to be taken seriously you need to be competitive. About 1/3 of bank owned properties sell for over list price. If you find the very best deal and then you make a lower offer you may be disapointed with your results. If you offer low on a property that is being passed over and there is no competition, you may be sucessful. Be prepared to pay high escrow & title costs. Banks dictate who those companies are and they ofter charge high fees.

Nadia, your realtor can guide you towards an appropriate offer on any property. There are a number of factors to consider. Stage of foreclosure is important, whether it is pre-foreclosure or 3rd party, bank owned, or on the court house steps. Each circumstance is a slightly different process.

ask your realtor for professional guidance