How to Make a Strong Offer on a Home


You’ve taken our homebuyer education course, selected a real estate agent and lender, toured homes and have found one you’re ready to make your own. The next step is one of the most exciting milestones in your homebuying journey: submitting an offer.


Your offer sets expectations, opens negotiations with the seller and becomes the foundation of your legal agreement once accepted. Understanding what shapes a strong offer helps you move forward with confidence and puts you in a better position to secure the home you want.


Things to Consider When Making an Offer

Before proceeding, take time to evaluate key factors that influence your offer’s competitiveness. Your real estate agent will help you weigh the following:


  • Time on market: A home listed for a long time may signal pricing issues or necessary repairs.
  • Condition of the home: Consider visible improvements, deferred maintenance and any repairs you already know will be needed. These details are important to negotiate the price.
  • Your approved loan amount: This defines the upper limit of what you can offer and protects you from stretching beyond what you can afford.
  • Price reductions: Has the listing price already been lowered?
  • Comparable sale prices: Typical sales values for similar homes in the area provide context and help ensure your offer aligns with market expectations.

 

Including Contingencies in Your Offer

The standard home purchase contract lists several conditions that must be met before the closing can take place. These conditions are called contingencies and may include:


  • Satisfactory home inspection
  • Seller’s completion of certain repairs
  • Personal property to be included in the purchase
  • Property appraisal for at least the sale price
  • Buyer being able to secure a loan or other source of financing

Contingencies give you the ability to exit the contract if something unexpected happens without risking your earnest money deposit or facing legal consequences


Documents You’ll Need to Review and Sign

Submitting your offer requires several important documents, including:


  • Residential Contract of Purchase
  • Summary of Rights and Obligations of Sellers and Purchasers
  • Lead-Based Paint Disclosure (if applicable)
  • Home Inspection Contingency Addendum
  • Copy of Earnest Money Deposit

GOOD TO KNOW​

If you already have a pre‑approval, include it with your offer. It shows the seller you’re a qualified buyer and can strengthen your negotiating position.


What Happens After You Submit Your Offer

Once your agent delivers your offer, the seller can accept, reject or counter your offer. Not every offer will be accepted and that’s okay. With time, preparation and a real estate agent who understands your needs, you’ll find the right home and be able to submit an offer that aligns with your goals and budget.


Learn more by taking our free homebuyer education course!

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