Offer-Day Checklist

1. Call us before you write the offer We'll refresh your payment and cash-to-close math for this exact house — fast.
2. Get an updated pre-approval letter for this price A letter matched to your offer (not your max) protects your negotiating position.
3. Decide your real maximum before negotiations start Set the walk-away number when you're calm, not at 9pm in a bidding war.
4. Choose your earnest money amount Enough to signal you're serious; your agent will guide local norms.
5. Talk through contingencies with your agent Inspection, financing, and appraisal contingencies protect you — waive nothing without understanding the risk.
6. Pick a realistic closing date Ask us what timeline the loan actually needs before the contract fixes it.
7. Ask about seller credits strategically Sometimes a slightly higher price with closing-cost credits beats a lower price for your cash position.
8. Have your agent flag our team to the listing agent A known, responsive lender behind the offer makes your offer easier to say yes to.

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