Hello Kim, I hope you are using a local expert realtor. Only someone such as Mary Starkey , who answered this question, could really answer those questions. You see she had the numbers for you, but also, she probably could make a determination on a particular home, which could be very beneficial to someone like you! Good luck, David

Kim, the market has not been as stressed in Springboro as in other places. According to the Dec. Dayton Baord of Realtors stats, the average sale to list price was 98.58%. For the entire year of 2007 it was 96.35%. Of course we do not have information about seller concessions such as closing cost or down payment assistance that may have entered into the contract and price. Hopefully your Realtor can help you with deciding what to offer, but I advise my sellers that if they get a qualified buyer they need to try to work with them. So I suggest you offer whatever you feel comfortable with. The owners will probably counter not matter what you offer so be prepared to negotiate. Good luck!