Kim, this is not a buyers maket, this is an investor/reo market. If you want to get in escrow quick and you must, since these rates and values may not stay like this forever, you need to very clearly understand a few things which are difficult from your point of view. Look, you are looking at foreclosures and not model new homes, properties are not in optimum condition; then you have huge competition from cash investors or buyer/investors with significantly large amounts of cash. You definitely need to play smart and look for properties which have been within 75 or more days in the market and although I know the condition they are have your hubby and close relatives do some of the work. But for Christ sake stop looking at the hot deals out there, YOU are not gonna win. Even if you are the first to bid, banks usually wait over three days in order to look at offers and they know eventually they will get a higher or better bid. Life is not fair all the time and there is no divine justice out there looking after us in this market. The stronger will win now and you must accept this fact. Buy something reasonable and three years from now you will be glad you did. Regards. Jaime Sanchez, Real Estate Broker.