As Realtors we cannot make a decision for a client. It has to be the clients decision. We can only act at the direction of our clients and do what we are told as long as it is legal and ethical. We can tell the client our thoughts and if we believe another offer is on it's way that we think they may want to see, but we have to be very careful to let them know that offer may not come, and this is the offer we have right now to deal with. We can show them how much they would "net" from the sale, or if a buyer what it would cost based on the loan type, etc on an apprx monthly payment and certainly refer them back to their loan officer. Our job is to bring both buyer and sellers together, but if they refuse to come to terms we cannot force them, even though it may cost them a sale or cost more later on by not accepting this offer. We can lead our clients to "water", but we cannot make them "drink"