You've already heard the bad news. The housing crisis has tightened up credit markets, and it's harder to qualify for a mortgage loan. Credit scoring has always been an important part of the loan approval process, but suddenly it bears more weight than ever.
Don't even bother trying to justify a lowball offer. (Believe me, the seller and their agent were well aware that there's an electric tower in the backyard when they set the asking price.) Avoid these buyer faux pas when offering on a house.
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