The best advice: Keep in contact with your Realtor and your contact person at Chase.
First step is the seller has to accept your offer. Then that is sent to Chase for their approval. If the market value is $145K, that is what Chase is going to want (or as close to it as they can get). Chase is already taking a loss on the property so they want to minimize that loss. If the offer has been sent to Chase for approval, expect a counteroffer raising the price. Chase will order a Broker's Price Opinion (BPO) to be done before they accept any offer. The BPO is similar to the Comparative Market Analysis so it will probably come back at $145K to match what you already know. Also, don't expect Chase to pay any closing costs or repairs if needed.