There are other factors that a bank will consider in an offer and that is your qualifications - credit, employment history, income, reserves, downpayment, and the type of loan you qualfiy for.
If that is the home you truly want, offer your absolutel best. If you can afford the closing, don't ask for it. That in itself can knock you out of the park.
My 1st home was a foreclosure. My bid was $50.00 over anyone else. But my credit, employment, and income was excellent. It can all make a difference.
Any questions, please call me at (661) 255-3335. I'd be happy to help where needed.
Cheryl Garner, Mortgage Expert
Fairview Mortgage Capital, Inc.