Mr. Ramsey: There are a lot of people that, when they find a home they really like and find out that there is already an offer on it, will go ahead and put in a back up offer. You never know if that first offer will be able to be financed so some of them do fall out.
Regarding using the listing agent - it just depends on how you feel. Some people do use the listing agent and some use their own "buyer's agent" because they feel that the agent is then working for them exclusively.
Betty Clark, Broker
ABR, CRS, GRI
Realty Executives Associates