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Making an Offer:     Are "low-ball" offers advisable? Can you buy homes below market value? Do I need an attorney when I buy a house? How do you determine the value of a troubled property? Is a low offer a good idea? What are some tips on negotiation? What are standard contingencies? What contingencies should be put in an offer? What is the difference between list and sales prices? What is the difference between list price, sales price and appraised value? Who gets the furnishings when a home is sold? Whose obligation is it to disclose pertinent information about a property?

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