There are many variables that come into play when making an offer. Are you pre-qualified for a mortgage?
How much money can you put down as a down payment? Would this be a cash offer? It sounds to me that you are in need of an experienced real estate agent to represent you as a buyer's agent. Do you have one?
An experienced agent would be able to walk you through all the complicated steps needed during the acquisition process. Of course, it you are making an all-cash offer, offering $10,000 less wouldn't make much of a difference, since the closing would be fairly quick.
If you are not yet pre-qualified for a mortgage, you will need to get a commitment letter from a mortgage company, and together with that letter, you will also need to present an executed Agreement of Sale, an earnest money deposit and a completed Buyers' Financial Statement.
If you need help during this process, please feel free to call me.
Anna Maria Vona
William Festa Realty
3001 S. Sydenham Street
Philadelphia, PA 19145