All banks are different, I find some are more willing to deal than others. Looking back at previous listings and solds can help guide you. In todays market there are a lot of buyers looking at one property to get a bargain so if your buyer really likes the home, I always say make "highest & best ' offer for their financial situation. Making a low offer works only if the property has been on the market for a while and has not had any offers before. Sometimes calling the listing agent and asking some questions helps with the process. - Wed May 21 2008, 06:18