You can also call me to get pre-approved I work for a community bank here in Atlanta and I live in Snellville. At my bank we have no Origination fee and we close loans in 21 days because we lend with our own money and our processors and underwriters are in house. Plus we take good care of our customers and borrowers.
You need to find out what similar homes in a similar location and condition are selling for and compare this property to those. Then make your offer based on that. Make an offer that you feel is fair and what you are willing to pay.