It sounds like you have a few questions and need assistance. You don't negotiate with the lender, that's your Realtor's job. I would happy to assist you in your search for a home if your need it. The answer to your question though is in this current market there are good ones that go fast have multiple offers and the ones that have been around for a while are there for a reason. The longer a home has been on the market without many price changes are probably more negotiable then a home that is new to the market. It's supply and demand, if many people want it it will command a higher price. Let me know if you need assistance in your hunt. Have a Great Weekend!
Keller Williams Realty
Find your home: moveinnow.org
Or visit us on Trulia.com
I would suggest you give me a call at your earliest convenience, and we can discuss the process in greater detail.
This is a process in which I am very comfortable, and feel would be of tremendous benefit to you.
Mark T. Mergener
Cell 248 935-0335
Bank owned properties are tricky and there is no right or wrong answer to your question. When you make an offer on any property, you with the help of your agent should make a decision based on the value of the home considering the condition and location, the interest of other buyers that maybe competing as well for the home, and as important the timing of making your offer.
I hope that helps. Feel free to give me a call if you have any questions.