Hello Curtis. I am not sure why you think the lender should pay a 6% credit if this is a good bargain. If it's a good bargain, you may have to compete with multiple buyers and the bank will accept the offer from the buyer that will have the best terms and net the bank the most money. If you are certain that this will not be a multiple offer situation, then go ahead and submit your full price offer and ask for the 6% credit and see what happens. Lenders know how to counter offers and they will if they don't like your terms. Yes, you are right, this is a mortgage crisis, but some lenders don't seem to have caught on to that yet and the lenders try to get the most for their properties just like everybody else does. Their motivation to sell increases as the days on market goes up. If a property has only been on the market for a short period of time, the lenders are not necessarily in a hurry to sell. They know what the average days on the market is and they know what their bottom line is and when they are ready to bargain. Unless the property has been on the market a couple of months, they are not yet desperate no matter how many properties they have in their portfolio. If a lender prices a property competitively from beginning, you know you have a motivated lender. If their initial asking price is high, the lender is either unrealistic or unmotivated, neither of which is good for you as the buyer. Make your offer and see what happens. The lender can't respond to your offer if you don't make one. Good luck.