It's a very vague question. However, it never hurts to make an offer. Many buyers think they can offer 20-25K below list on properties and act shocked when they lose the house. 91% is a valid offer, my guess is the bank will counter. In my experience EVERY single good home at a good price in the last couple months that I have had buyers put offers on have ALL gone into a multiple offer situation. Make your offer fast, submit your pre-approval, and give a decent earnest money check to show tha bank you are serious, and make sure your agent gets in ALL the paperwork. Then, be prepared to counter the offer or be prepared for a multiple offer situation after a price reduction. Most banks reply within 72 hours. If you don't here from your agent in three business days Call, Call, Call! Remember, you are most likely getting a deal at list price. If you love the home and think the price is right you might want to offer full list to avoid losing it. Ask your agent, all banks have different procedures and most agents should be familiar with them.