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Negotiating and accepting an offer on your home
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<li role="listitem"> <a class="block" href="/buying/down-payments-and-pmi" title="Down payments and PMI"> <div class="eyebrow"> Step 2 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Down payments and PMI</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/finding-your-team" title="Finding your team"> <div class="eyebrow"> Step 3 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Finding your team</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/finding-the-right-home" title="Finding the right home"> <div class="eyebrow"> Step 4 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Finding the right home</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/working-with-your-lender" title="Working with your lender"> <div class="eyebrow"> Step 5 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Working with your lender</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/making-your-offer" title="Making your offer"> <div class="eyebrow"> Step 6 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Making your offer</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/inspecting-and-appraising-your-home" title="Inspecting and appraising"> <div class="eyebrow"> Step 7 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Inspecting and appraising</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/closing-your-loan-when-buying" title="Closing your loan"> <div class="eyebrow"> Step 8 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Closing your loan</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu owning" id="subnav-owning" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-owning nav-menu-toggle submenu-wrapper" id="subnav-back-owning"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/owning" title="Owning"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Owning Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/your-responsibilities" title="Your responsibilities"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Your responsibilities</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/your-homes-value" title="Your home's value"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Your home's value</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/home-maintenance" title="Maintaining your home"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Maintaining your home</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/homeownership-costs" title="Homeownership costs"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Homeownership costs</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu refinancing" id="subnav-refinancing" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-refinancing nav-menu-toggle submenu-wrapper" id="subnav-back-refinancing"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/refinancing" title="Refinancing"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Refinancing Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/planning-to-refinance" title="Planning to refinance"> <div class="eyebrow"> Step 1 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Planning to refinance</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/costs-of-refinancing" title="Costs of refinancing"> <div class="eyebrow"> Step 2 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Costs of refinancing</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/options-for-refinancing" title="Options for refinancing"> <div class="eyebrow"> Step 3 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Options for refinancing</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/working-with-your-lender" title="Working with your lender"> <div class="eyebrow"> Step 4 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Working with your lender</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/closing-your-loan" title="Closing your loan"> <div class="eyebrow"> Step 5 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Closing your loan</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu selling" id="subnav-selling" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-selling nav-menu-toggle submenu-wrapper" id="subnav-back-selling"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/selling" title="Selling"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Selling Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/working-with-your-agent" title="Working with your agent"> <div class="eyebrow"> Step 1 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Working with your agent</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/costs-of-selling" title="Costs of selling"> <div class="eyebrow"> Step 2 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Costs of selling</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/preparing-to-sell-your-home" title="Preparing to sell your home"> <div class="eyebrow"> Step 3 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Preparing to sell your home</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/negotiating-offers" title="Negotiating offers"> <div class="eyebrow"> Step 4 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Negotiating offers</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/closing-your-loan-when-selling" title="Closing your loan"> <div class="eyebrow"> Step 5 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Closing your loan</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu renting" id="subnav-renting" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-renting nav-menu-toggle submenu-wrapper" id="subnav-back-renting"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/renting" title="Renting"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Renting Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/what-can-you-afford" title="What can you afford"> <div class="eyebrow"> Step 1 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>What can you afford</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/preparing-to-rent" title="Preparing to rent"> <div class="eyebrow"> Step 2 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Preparing to rent</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/finding-the-right-rental" title="Finding the right rental"> <div class="eyebrow"> Step 3 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Finding the right rental</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/applying-for-a-lease" title="Applying for a lease"> <div class="eyebrow"> Step 4 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Applying for a lease</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/before-you-sign" title="Know before you sign"> <div class="eyebrow"> Step 5 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Know before you sign</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu getting-help" id="subnav-getting-help" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-getting-help nav-menu-toggle submenu-wrapper" id="subnav-back-getting-help"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/getting-help" title="Getting Help"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Getting Help Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/assessing-your-situation" title="Assessing your financial situation"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Assessing your financial situation</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/who-to-contact-for-help" title="Who to contact for help"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Who to contact for help</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/options-to-stay" title="Options to stay in your home"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Options to stay in your home</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/options-to-leave" title="Options to leave your home"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Options to leave your home</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/natural-disasters" title="Help after a natural disaster"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Help after a natural disaster</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/avoiding-fraud" title="Avoiding fraud"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Avoiding fraud</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/borrower-notification-letter-faqs" title="Borrower notification letter FAQs"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Borrower notification letter FAQs</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu blog" id="subnav-blog" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-blog nav-menu-toggle submenu-wrapper" id="subnav-back-blog"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/blog" title="Blog"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-blog.svg" alt=""> </div> <div>Blog Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/blog/financial-education" title="Financial Education"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-blog.svg" alt=""> </div> <div>Financial Education</div> </a> </li> <li role="listitem"> <a class="block" href="/blog/homebuying" title="Homebuying"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-blog.svg" alt=""> </div> <div>Homebuying</div> </a> </li> <li role="listitem"> <a class="block" href="/blog/homeownership" title="Homeownership"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-blog.svg" alt=""> </div> <div>Homeownership</div> </a> </li> <li role="listitem"> <a class="block" href="/blog/refinancing" title="Refinancing"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-blog.svg" alt=""> </div> <div>Refinancing</div> </a> </li> <li role="listitem"> <a class="block" href="/blog/rental-housing" title="Rental Housing"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-blog.svg" alt=""> </div> <div>Rental Housing</div> </a> </li> <li role="listitem"> <a class="block" href="/blog/selling" title="Selling"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-blog.svg" alt=""> </div> <div>Selling</div> </a> </li> <li role="listitem"> <a class="block" href="/blog/blog-archive" title="All Blogs"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-blog.svg" alt=""> </div> <div>All Blogs</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu resources" id="subnav-resources" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-resources nav-menu-toggle submenu-wrapper" id="subnav-back-resources"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/resources" title="Tools & Resources"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Tools & Resources Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/resources/calculators" title="Calculators & Worksheets"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Calculators & Worksheets</div> </a> </li> <li role="listitem"> <a class="block" href="/resources/quizzes" title="Quizzes"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Quizzes</div> </a> </li> <li role="listitem"> <a class="block" href="/resources/glossary" title="Glossary"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Glossary</div> </a> </li> <li role="listitem"> <a class="block" href="/resources/brochures" title="Brochures"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Brochures</div> </a> </li> <li role="listitem"> <a class="block" href="/resources/working-with-freddie-mac-borrower-help-centers" title="Borrower Help Centers"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Borrower Help Centers</div> </a> </li> <li role="listitem"> <a class="block" href="/resources/renter-resource-organizations" title="Renter Resource Organizations"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Renter Resource Organizations</div> </a> </li> <li role="listitem"> <a class="block" href="/resources/creditsmart" title="CreditSmart"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>CreditSmart</div> </a> </li> <li role="listitem"> <a class="block" href="/myhome-subscription" title="Subscribe to My Home"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Subscribe to My Home</div> </a> </li> </ul> </div> </div> </div> <div class="submenu search show-for-xlarge" id="subnav-search" style="display: none;" tabindex="-1"> <div class="grid-x gutter-top"> <div class="cell large-9 large-centered gutter-top"> <div class="nav-search" id="nav-search-desktop"> <form role="search" class="position-relative" action="/search-results" method="get" accept-charset="utf-8"> <input class="desktop-search" name="query" type="search" placeholder="Type search entry..." aria-label="Search field" required="" maxlength="100"> <button type="submit" class="center-vertically search-button" aria-label="Search"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="width:1.25rem; height:1.25rem" viewBox="0 -1.6 20 20"> <g fill="none" fill-rule="evenodd" stroke="#343434" stroke-width="2" transform="translate(2 1)"> <circle cx="10" cy="7" r="7"></circle> <path stroke-linecap="square" d="M4.5 12L0 16"></path> </g> </svg></button> </form> </div> </div> </div> </div> </div> <div id="content-wrapper" class="content-wrapper clearfix"> <div data-drupal-messages-fallback class="hidden"></div> <main role="main"> <a id="main-content" tabindex="-1"></a> <div class="layout-content"> <div id="block-myhome-theme-content"> <div class="content"> <div class="hero-wrapper "> <div class="hero"> <div class="hero-background" style="background-image: url(https://freddiemac.widen.net/content/qc7uyfwnqa/jpeg/CC_MH_15647_Sell_Negotiation.jpg?); background-position: 50% 0%;"> </div> </div> </div> <div> <div class="nav-contextual-wrapper half-gutter-top gutter-bottom show-for-large"> <nav class="text-center nav-contextual" role="navigation"> <a id="selling-working-with-your-agent-tile" href="/selling/working-with-your-agent" class="nav-tile"> <div class="eyebrow gutter-bottom"> Step 1 </div> <div>Working with your agent</div> </a> <a id="selling-costs-of-selling-tile" href="/selling/costs-of-selling" class="nav-tile"> <div class="eyebrow gutter-bottom"> Step 2 </div> <div>Costs of selling</div> </a> <a id="selling-preparing-to-sell-your-home-tile" href="/selling/preparing-to-sell-your-home" class="nav-tile"> <div class="eyebrow gutter-bottom"> Step 3 </div> <div>Preparing to sell your home</div> </a> <a id="selling-negotiating-offers-tile" href="/selling/negotiating-offers" class="nav-tile is-active"> <div class="eyebrow gutter-bottom"> Step 4 </div> <div>Negotiating offers</div> </a> <a id="selling-closing-your-loan-when-selling-tile" href="/selling/closing-your-loan-when-selling" class="nav-tile"> <div class="eyebrow gutter-bottom"> Step 5 </div> <div>Closing your loan</div> </a> </nav> </div> <div class="gutter-left gutter-right hide-for-large nav-mobile-wrapper clearfix"> <a id="contextual-dropnav-trigger" class="block nav-mobile-label text-center" data-toggle="contextual-subnav" aria-controls="contextual-subnav" data-is-focus="false" data-yeti-box="contextual-subnav" aria-haspopup="true" aria-expanded="false"> <span id="contextual-dropnav-label">Negotiating offers</span><br> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="width:1.25rem; height:1.25rem" viewbox="0 0 50 50"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="14" x2="25" y2="35"></line> <line x1="48" y1="14" x2="25" y2="35"></line> </g> </svg> </a> </div> <div class="subnav-wrapper clearfix hide-for-large"> <nav id="contextual-subnav" class="dropdown-pane has-position-bottom has-alignment-left" data-dropdown="mjl6xk-dropdown" role="navigation" aria-labelledby="contextual-dropnav-trigger" aria-hidden="false" data-yeti-box="contextual-subnav" data-resize="contextual-subnav" data-events="resize" style="top: -22px; left: 0px;"> <ul class="menu vertical"> <li id="selling-working-with-your-agent-mobile" class=""> <a id="selling-working-with-your-agent-dropdown" class="block" href="/selling/working-with-your-agent" title=""> <div class="eyebrow"> Step 1 </div> <div aria-hidden="true" class="float-right"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Working with your agent</div> </a> </li> <li id="selling-costs-of-selling-mobile" class=""> <a id="selling-costs-of-selling-dropdown" class="block" href="/selling/costs-of-selling" title=""> <div class="eyebrow"> Step 2 </div> <div aria-hidden="true" class="float-right"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Costs of selling</div> </a> </li> <li id="selling-preparing-to-sell-your-home-mobile" class=""> <a id="selling-preparing-to-sell-your-home-dropdown" class="block" href="/selling/preparing-to-sell-your-home" title=""> <div class="eyebrow"> Step 3 </div> <div aria-hidden="true" class="float-right"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Preparing to sell your home</div> </a> </li> <li id="selling-negotiating-offers-mobile" class="is-active"> <a id="selling-negotiating-offers-dropdown" class="block" href="/selling/negotiating-offers" title=""> <div class="eyebrow"> Step 4 </div> <div aria-hidden="true" class="float-right"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Negotiating offers</div> </a> </li> <li id="selling-closing-your-loan-when-selling-mobile" class=""> <a id="selling-closing-your-loan-when-selling-dropdown" class="block" href="/selling/closing-your-loan-when-selling" title=""> <div class="eyebrow"> Step 5 </div> <div aria-hidden="true" class="float-right"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Closing your loan</div> </a> </li> </ul> </nav> </div> </div> <div class="breadcrumb-wrapper"> <div class="grid-container"> <div class="grid-x grid-padding-x"> <div class="large-12 cell"> <div class="grid-x grid-padding-x"> <div class="large-8 medium-10 medium-centered cell"> <nav class="text-center" aria-label="You are here:" role="navigation"> <ol class="breadcrumbs inline-block" vocab="http://schema.org/" typeof="BreadcrumbList"> <li property="itemListElement" typeof="ListItem"> <a property="item" typeof="WebPage" href="/"> <span property="name">Home</span> </a> <meta content="1" property="position" /> </li> <li property="itemListElement" typeof="ListItem"> <a property="item" typeof="WebPage" href="/selling"> <span property="name">Selling</span> </a> <meta content="2" property="position" /> </li> <li> <span class="show-for-sr">Current:</span> Negotiating offers </li> </ol> </nav> </div> </div> </div> </div> </div> </div> <div class="share-widget-wrapper hide-for-print"> 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href="/cdn-cgi/l/email-protection#5b6439343f226608333a2932353c7e696b3a7e696b373235307e696b332f2f2b2861747436223334363e753d293e3f3f323e363a3875383436" aria-label="share via email"> <svg class="email-icon" xmlns="http://www.w3.org/2000/svg" style="width:1.4375rem;height:1.5625rem" viewbox="0 -6 23 25"> <path d="M.58438113 1.92336043l4.16516983 3.76204879C9.81872345 10.23637999 11.3827609 11.5 11.94 11.5l.0608686-.0041748c.76218-.100621 2.8379824-2.0540277 10.4265313-9.52116323C22.4755803 2.14088495 22.5 2.31759071 22.5 2.5v12c0 1.1045695-.8954305 2-2 2h-18c-1.1045695 0-2-.8954305-2-2v-12c0-.20046961.02949463-.39405038.08438113-.57663957zM20.5.5c.1748239 0 .3444089.02243095.5060337.06457182l-2.2037301 2.16287676c-1.4876156 1.45380391-2.7553931 2.68218835-3.8030952 3.68493488l-1.3600055 1.29121672-.9616122.89311653c-.1113116.1017866-.2158461.19664199-.313585.28455058l-.4440896.39200576-.5090941-.41639415-.7229104-.61180981c-.3380784-.28952737-.72216527-.62225595-1.15198425-.99797185L7.24259867 5.22128865 4.2875924 2.57415536C3.58578763 1.94237455 2.83953239 1.26878644 2.04884464.55340631 2.19279445.51778736 2.34432.5 2.5.5h18z"/> </svg> </a> </div> </div> </div> <article class="grid-container"> <div class="grid-x grid-padding-x"> <div class="large-8 medium-10 medium-centered cell gutter-bottom"> <div class="text-center gutter-all-large"> <h1>Negotiating and accepting the offer</h1> <p class="lead gutter-bottom">Once you receive an offer on your home, your work is not done. It’s time to be strategic about negotiating and accepting an offer. </p> <hr> </div> </div> <div class="large-8 medium-10 medium-centered cell"> <div> <div> <div class="paragraph paragraph--type--wysiwyg paragraph--view-mode--default"> <div><p>As the seller, you may feel relieved when you receive the first offer on your home. However, there is still a lot at stake. You’ll have several big decisions left to make and a short period of time in which to act.</p> <p>That’s why it’s important to do your homework ahead of time.</p> </div> </div> </div> <div> <aside class="promo-themed"> <p>Knowing the best and final price you’ll accept before you list your home will help make your selling journey easier to navigate.</p> </aside> </div> <div><div style="height:2.00rem;" class="show-for-small"></div> </div> <div> <p>Once you have an offer in hand, you'll know the buyer's offer price and terms and conditions — including a closing date, provisions for certain fees, <a href="https://myhome.freddiemac.com/blog/homeownership/20210624-understanding-contingencies">contingencies</a> and your deadline to respond. You now have three options:</p> <div class="grid-x grid-padding-x"> <div class="cell small-11 small-centered medium-12"> <ol class="list-steps "> <li> <strong></strong> <h3 class="gutter-bottom weight-normal">Accept the offer “as is” and bind the contract.</h3> </li> <li> <strong></strong> <h3 class="gutter-bottom weight-normal">Negotiate with the buyer via a counter offer.</h3> </li> <li> <strong></strong> <h3 class="weight-normal">Reject the offer and move on.</h3> </li> </ol> </div> </div> </div> <div><div class="full-width-component position-relative gutter-top"> <div class="section-hero" style="background-image: url(https://freddiemac.widen.net/content/nqq2npdmvk/jpeg/CC_MH_15647_selling_negotiating_offers.jpg?); background-position: 80% 50%;"></div> </div> </div> <div> <div class="paragraph paragraph--type--wysiwyg paragraph--view-mode--default"> <div><h2 class="section-header">Navigating negotiations</h2> <p>You may decide to counter the buyer’s initial offer. This is common, and typically occurs because the seller asks for a higher sales price or to adjust the closing date. However, you should allow your <a href="https://myhome.freddiemac.com/selling/working-with-your-agent">real estate agent</a> to guide you through any negotiations. Their experience and knowledge of your local market conditions and personal and financial goals are valuable.</p> <p>If you opt to negotiate, your agent will submit a counteroffer to the buyer’s agent, detailing your requested changes. This puts the buyer in the driver’s seat, meaning they can now accept, counter or reject and move on (which is the risk associated with negotiating). In most cases, the back and forth between you and the buyer should last about one to three days, but it’s not uncommon for it to take longer.</p> <p>Though you want the best price for your home, the buyer wants the best deal. Sometimes to finalize the transaction, you may need to meet closer to the middle. This is why it’s important for you to know your ultimate goal early in the process.</p> </div> </div> </div> <div> <h2 class="section-header-left">Tools and Resources</h2> <a class="block color-inherit no-decoration" href="/resources/glossary"> <div class="media-object stack-for-xsmall"> <div class="media-object-section"> <div class="thumbnail-wrapper"> <img src="/sites/g/files/ynjofi136/files/icon-resource-glossary.svg" alt="book with bookmark" loading="lazy" /> </div> </div> <div class="media-object-section main-section align-self-middle"> <h3>Glossary of Terms</h3> <p class="no-margin">Learn the must-know terms to help you get through the selling process.</p> <div class="arrow-wrapper" aria-hidden="true"> <svg class="animated-arrow" xmlns="http://www.w3.org/2000/svg" style="width:3.4375rem; height:0.625rem" viewbox="0 0 55 10"> <path d="M31 0l8 5-8 5z" class="arrowhead"/> <path class="arrowline" d="M0,4h36v2H0V4z"/> </svg> </div> </div> </div> </a> </div> </div> </div> </div> </article> </div> <!-- End div class content. --> </div> </div> <aside class="card-wrapper"> <div class="grid-container"> <div class="grid-x grid-padding-x"> <div class="cell"> <div class="gutter-all background-white"> <div class="grid-x grid-padding-x"> <div class="large-11 xlarge-10 cell large-centered gutter-top gutter-bottom-medium"> <div class="grid-x grid-padding-x gutter-bottom"> <div class="cell text-center"> <h2>From Our Blog</h2> </div> </div> <div class="grid-x grid-padding-x grid-padding-y gutter-bottom" data-equalizer data-equalize-on="medium"> <div class="cell medium-4"> <a class="color-inherit block" href="/blog/selling/how-much-can-i-sell-my-home"> <div class="card"> <div aria-hidden="true"> <img src="/sites/g/files/ynjofi136/files/styles/4x3_aspect_ratio/public/blog_how_much_sell_your_home_for-large.jpg?itok=gtJ2UVUe" width="640" height="480" alt="" loading="lazy" /> </div> <div class="card-section background-concrete" data-equalizer-watch> <h3 class="h4 half-gutter-bottom">How Much Can I Sell My Home For?</h3> <p class="half-margin-bottom">Learn more about how to determine the listing price of your home.</p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> <div class="cell medium-4"> <a class="color-inherit block" href="/blog/homebuying/moving-costs-to-consider-during-your-next-move"> <div class="card"> <div aria-hidden="true"> <img src="/sites/g/files/ynjofi136/files/styles/4x3_aspect_ratio/public/MovingCost_large.jpg?itok=d2_aH3C6" width="640" height="480" alt="People loading furniture into a moving truck." loading="lazy" /> </div> <div class="card-section background-concrete" data-equalizer-watch> <h3 class="h4 half-gutter-bottom">Moving Costs to Consider During Your Next Move</h3> <p class="half-margin-bottom">Whatever your situation, there are several common costs you should consider as you budget for your next move.</p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> <div class="cell medium-4"> <a class="color-inherit block" href="/blog/selling/understanding-commission-when-you-sell-your-home"> <div class="card"> <div aria-hidden="true"> <img src="/sites/g/files/ynjofi136/files/styles/4x3_aspect_ratio/public/blog_commission_large.png?itok=vZ6XsOjZ" width="640" height="480" alt="Brick row homes in nice neighborhood" loading="lazy" /> </div> <div class="card-section background-concrete" data-equalizer-watch> <h3 class="h4 half-gutter-bottom">Understanding Commission When You Sell Your Home</h3> <p class="half-margin-bottom">Your listing agent is paid a commission when your house is sold. Here’s how that works.</p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> </div> </div> </div> </aside> <div id="block-prevnextsteps"> <div class="next-step-wrapper"> <div class="grid-container"> <div class="grid-x grid-padding-x"> <div class="cell small-11 small-centered medium-8 large-6 text-center"> <div class="next-step-label"> <div class="center-absolute"> <div class="eyebrow half-margin-bottom">Next </div> <div>Closing your loan</div> </div> <a aria-label="view previous page" class="float-left" href="/selling/preparing-to-sell-your-home"> <svg class="center-vertically" aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="18" height="31" viewBox="0 0 18 31"> <path fill="none" stroke="currentColor" stroke-width="2" d="M17.15 29.618L1.66 15.476 17.15 1.334"></path> </svg> </a> <a aria-label="view next page" class="float-right" href="/selling/closing-your-loan-when-selling"> <svg class="center-vertically" aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="18" height="31" viewBox="0 0 18 31"> <path fill="none" stroke="currentColor" stroke-width="2" d="M.803 29.618l15.489-14.142L.802 1.334"></path> </svg> </a> </div> </div> </div> </div> </div> </div> <footer role="navigation" class="fatfooter hide-for-print"> <div class="footer-top grid-container fluid"> <div class="grid-x"> <div class="cell xlarge-3"> <div class="logo-wrapper"> <!-- TODO?: maybe move hyperlink and logo markup to a block and width to css--> <a href="https://www.freddiemac.com"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/PrimaryLogo.svg" alt="Freddie Mac Home" width="197" height="70" style="width: 12.3125rem; height: 4.375rem;" /> </a> </div> </div> <div class="cell xlarge-9"> <div class="grid-x grid-margin-x"> <div class="cell small-order-3"> <p class="footer-notice">These webpages are for general informational purposes only. 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