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She eventually had an offer accepted after switching to conventional financing at a sellers request. She provided documentation to prove she had funds to close, and because she wanted the seller to contribute 3 toward closing, she offered the asking price plus 3. While she had to bring more money to the table - 5 down instead of 3.
5 - she finally got a home. Give the seller what they want. When youre submitting a purchase offer, there are many points of negotiation.
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