All banks should be more than happy to negociate, but before you make that offer remember these few items: The bank will usually only sell this property As-Is. That is to say that if repairs are found to be needed after an inspection, they are not willing to do anything about them. Also remember that the bank is most likely asking a price that is already below what comparable properties to it are currently selling, so coming in with an extreemly low offer on an already reduced price is probably not in your best interest to do if this is a property that you really want. Remember too that if this property looks desirable to you, it most likely looks the same to other potential buyers at the same time. By coming in with a really low offer you might lose out to another offer that comes in higher than yours. And last but not least, you need to get yourself pre-qualified before you make any offer, and be sure to engage the resources of a licensed Realtor in your area to help to guide and protect you through this entire process. If you'd like I can recommend a good one in your area. Just send me an email at http://www.michaelcochrane1@verizon.net and I will be glad to help.

You can make an offer and they will negotiate with you. However, most times multi-offer situation occurs and if that happens they will then come back and ask for your "highest and best" offer. Feel free to ask me any other questions - email or phone. Good Luck!