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Additional Details
The apartments I live in allow cats.... |
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sweetlittledove | Is it true that once a home for sale is listed and has an MLS number..that a buyer cannot offer to pay more ? |
the house is listed for a price...but i am willing to pay more than the listed price because i want it so much..is it legal to offer the seller more or must i stick with the listed price? |
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☼High☼Voltage☼Blonde☼
 |
Not true.
I would not, however, encourage you to write an offer for greater than the list price.
You should submit an offer, with your Realtor of course, using your logic first. They will advise you as to what the market is like in your area and if this property is in high demand. Allow them to educate and guide you. Don't allow your emotions to rule you here.
Try to acquire the home that you love for below the current list price. In most areas it's currently a buyer's market.
You can always increase your offer if the offer is rejected. They may counter at a higher price, yet still be less than the list price.
Best of luck in getting the home!! |
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CJKatl
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Untrue. You can offer to pay whatever you want.
When it comes time to get a loan, the appraiser will research any offer for sale in the previous twelve months. This listing will pop up, and he will report that you paid more than the listing price. This is a red flag, and the underwriter and appraiser will both scrutinize the transaction carefully. But so long as the appraisal logically supports the higher offer, you will be able to get the loan.
Here are a couple examples:
The seller lists the property at $150,000 on January 20. You and Joe both put in a bid on January 21 for full list price. The seller will come back asking you both for more than list. This makes sense and the loan would likely go through.
The seller lists the property at $200,000. You bid $199,000, but ask for $6,000 closing costs. The seller comes back at $203,000 with the $6,000 closing costs. You agree. You are now purchasing the home on paper for $203,000. Up until recently, this worked. But lenders and courts are scrutinizing these transactions more carefully. It is likely that the appraiser will come back with an appraised value of $200,000, and you will be unable to get the loan for $203,000. Everyone now recognizes you are purchasing the home and the closing costs and that the seller is actually selling the home for $197,000. The lender will treat this as a home with a value of $197,000 because it is the lower of the appraised value and sales price.
Good luck. |
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Marianne
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The buyer can ask for more, less, repairs anything that they want to be included in the contract. THat doesn't mean that the seller will accpet it refer to a relator in your local market. Personal property does not stay with the hoouse typically. If you want your offer to be accepted or to be at least counteroffered with another offer you should go with the guildlines of what the seller is expecting due to local market conditions. In the market where I am at for example a seller will pay between 2000 and 3000 in closing costs for the buyer. So if you needed 4000 in closing cost paid for you will have to up the price by about a 1000 dollars. Fret not because if your offer is not accepted (or you are the seller accepting offer) you can always put in another offer or you can just look around more. Price wars in the summer can mean that multiple offers are recieved and someone would have to ask over the asking price. If you are unsure talk to your realtor and have that person sit down and explain things with you... |
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ogrendle
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Yes, you can offer more but that isn't wise. Do you have a Buyer Agent representing you? Let them advise you on offers. A Buyer Agent costs you nothing and works fior your best interest. See: REBAC.com and www.jackosullivan.net
Good Luck |
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Captain Jack
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You can offer whatever you like. I just sold a house and the buyer offered $9K over my asking price, because he wanted help with closing costs and money to replace the carpets.
It's quite common in very hot markets to get more than asking...but unless you are in that sort of market, why would you want to offer more if the seller will accept the list price or less? |
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Stacy B
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Yes you can. This usually happens in the type market when houses are selling like hotcakes. For example, the Virginia Beach area- houses in the 150-200 thousand range have been known to sell in less than a week. I personally would not offer more than necessary unless it is that type situation. |
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wyzrdofahs
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Nope not true in fact since the realestate agents commission is based on am percentage of the sale price he won't mind at all getting higher bids |
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robert s
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Shoot for the moon. It is done quite often, especially when there is a supply issue for that particular property. |
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mortgage help
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you can offer whatever you want.
Make an offer of full price, and include an escalation clause up to the price you are willing to pay. Also get a strongly worded approval letter from your Loan Officer so the seller sees you are well qualified. |
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CSUflyer
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Of course you can offer more....EVERYTHING is negotiable. |
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