here in NWI home prices are lower but depending on the listing agent the price listed may already reflect the lower projected sale price. If you do end up writing that 80% it may be a starting point for negotiations / or you could insult the seller and they may not want to sell to you for any price. real estate is not a science and no 1 person could have all the answers but if you trust and respect your agent they are going to guide you and educate you on the best possible offer you should write. - Mon Jul 27 2009, 11:56