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In a declining market it's necessary to conscious of the actual market value of the place. I am conducting a loan in a client who saw an REO which was listed for $465,000. His agent advised him the home or property was only worth $420,000. However, the bank account had taken it back with mortgage finance on it for $510,000. He offered $400,000 but happened to be it.
Riders. Amendments to the sales contract that affect your protects. Example: The sellers won't vacate until longer after closing but can pay rent into the buyers during that period.