Hi Kathie, if you are interested in buying now, whether it be this house or another, my advice to you is to hook up with an agent you can trust . Interview a couple of them if you want to or get a referral from a trusted friend or relative. Work together, let them be your advocate and have them help you get approved for your loan. This market is not for the meek. Many REO's and short sales are "priced to sell" and are getting multiple offers and selling quickly. Using the listing agent , just because they are the listing agent, isn't the best answer. You need your own agent to advocate for you and not have any competing interests. At least that is "my" opinion. Good luck!