Clean, Low Offers

You're looking for a home and have just seen one that is priced at $519,000.  You love it.  The problem is your budget will only stretch to the payments on a mortgage of $460,000.  Has the property been on the market a while?  Maybe they'll take less.  Make a WRITTEN contract offer for $450,000.  Make it as "clean" an offer as you can manage.  Don't ask for help with closing costs.  If you're handy and are confident the property is structurally sound, don't even ask for a home inspection.  In fact, don't make your offer "subject to" anything.    I've recently seen such an offer work out.  The seller countered the $450,000 with $490,000.  The buyer came back with $460,000.  The seller accepted.  If you love it, make a WRITTEN offer.  Who knows, your negotiations just might work out well, too.