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The Offer Process: How to Write an Offer That Stands Out

March 13, 20256 min read

Introduction

Making an offer on a home is one of the most exciting yet nerve-wracking steps in the home-buying process. In a competitive real estate market, your offer needs to stand out to increase your chances of getting accepted. Sellers often receive multiple offers, so understanding how to structure a compelling, well-balanced offer can make all the difference.

From setting the right price to minimizing contingencies and adding personal touches, this guide will walk you through the key steps to crafting an offer that sellers can’t ignore.


Understanding the Offer Process

Before submitting an offer, it's important to understand the key components that go into it. A well-prepared offer should include:

  • Purchase Price – The amount you are willing to pay for the home.

  • Earnest Money Deposit – A deposit that shows the seller you're serious about buying.

  • Contingencies – Conditions that must be met before the sale is finalized, such as financing, home inspections, or an appraisal.

  • Closing Date – The date you intend to finalize the purchase.

  • Special Requests – Any requests for repairs, seller concessions, or included appliances​.

A strong, well-structured offer signals to the seller that you are not just interested, but also financially prepared and capable of closing the deal smoothly.


Steps to Writing a Standout Offer

pre-approved for mortgage

1. Get Pre-Approved for a Mortgage

Before making an offer, securing a mortgage pre-approval is crucial. A pre-approval letter from a lender shows the seller that you are financially qualified and serious about purchasing the home.

  • Why it matters: A seller is unlikely to accept an offer from a buyer who has not been pre-approved, as it poses a greater risk of financing falling through.

  • How to do it: Provide the necessary financial documentation (pay stubs, tax returns, credit reports) to your lender and obtain a pre-approval letter.

A pre-approval letter not only strengthens your offer but also gives you a clear understanding of your budget, helping you make competitive offers without overextending yourself financially.

2. Research the Market & Make a Competitive Offer

While it may be tempting to start with a low offer, this approach often backfires in a competitive market. Instead, research comparable home sales in the area to determine a fair and competitive price.

  • Check recent sales: Look at homes similar in size, condition, and location that have recently sold.

  • Understand market trends: Is the local market favoring buyers or sellers? If multiple offers are common, be prepared to bid competitively.

  • Know the seller’s motivations: If a seller needs to move quickly, they may be more willing to negotiate. If they have multiple offers, you may need to increase your bid.

A well-researched offer not only increases your chances of acceptance but also helps you avoid overpaying.

3. Increase Your Earnest Money Deposit

An earnest money deposit (typically 1-3% of the home’s purchase price) demonstrates to sellers that you are serious about the transaction.

  • Why it matters: A higher deposit reassures the seller that you are committed and have the financial means to proceed.

  • Where it goes: The deposit is held in an escrow account and is applied to your down payment at closing.

If competing offers are similar in price, a larger earnest money deposit can set your offer apart.

4. Minimize Contingencies to Make Your Offer More Attractive

Contingencies protect buyers, but too many can make your offer less appealing. Consider the following:

  • Inspection contingency: Instead of requesting minor repairs, focus on major structural or safety issues.

  • Financing contingency: If you’re confident in your mortgage approval, a shorter financing contingency period can appeal to sellers.

  • Appraisal gap coverage: In a bidding war, consider covering a small appraisal gap to reassure sellers.

While you should never waive important protections, minimizing unnecessary contingencies can make your offer stand out.

5. Be Flexible with the Closing Date

closing date

Sellers often have specific timing needs. Offering flexibility with the closing date—whether they need a fast closing or extra time—can make your offer more attractive.

  • If the seller needs a quick close: Work with your lender to expedite the process.

  • If the seller needs more time: Offer a lease-back option where they can stay in the home temporarily after closing.

Accommodating the seller’s schedule can sometimes make the difference in getting your offer accepted.

6. Write a Personal Letter to the Seller

A heartfelt letter explaining why you love the home can sometimes tip the scales in your favor. When

writing a letter

writing to the seller, include:

  • What you love about the house and neighborhood.

  • How you see yourself living there.

  • A compliment about how well the seller has maintained the home.

Avoid discussing personal details that could create fair housing concerns. Instead, focus on the home itself and why it’s a perfect fit for you.

7. Offer to Cover Closing Costs or Use an Escalation Clause

In competitive situations, consider:

  • Covering some seller costs – Offering to pay for a portion of the seller’s closing costs can make your offer stand out.

  • Using an escalation clause – This automatically increases your offer by a set amount if competing bids come in, up to a specified limit.

Both strategies can improve your chances in a multiple-offer scenario.

8. Work with an Experienced Realtor

A skilled real estate agent can make all the difference in crafting a winning offer. Your agent will:

  • Help you determine a competitive but fair offer price.

  • Negotiate terms in your favor.

  • Guide you through counteroffers and potential bidding wars.

Having a local expert on your side ensures that your offer is not only strong but also strategically positioned to win within the unique conditions of the specific market​. In the case of the Roanoke area market, The J&D Realty Team know the area and it's trends inside and out, putting them in an expert position to help create and negotiate effective offers.


What Happens After You Submit the Offer?

Once your offer is submitted, the seller will typically respond in one of three ways:

  1. Acceptance – The seller agrees to your offer, and you move forward with inspections, financing, and closing.

  2. Counteroffer – The seller proposes changes, such as price adjustments or modified contingencies.

  3. Rejection – The seller declines your offer, and you may need to submit a new one or continue your home search.

If your offer is accepted, you will:

offer accepted
  • Submit your earnest money deposit.

  • Schedule home inspections.

  • Finalize mortgage approval.

  • Complete a final walk-through.

  • Close on your new home​.


Conclusion

Writing a strong offer requires more than just choosing a price—it’s about making the seller confident in your ability to close the deal. By being competitive, flexible, and well-prepared, you increase your chances of securing your dream home.

Work closely with an experienced real estate agent, understand the market, and make smart choices to submit an offer that stands out. Whether you’re a first-time buyer or an experienced homeowner, these strategies will help you navigate the offer process with confidence.

If you need some help or advice on creating a winning offer, call us any time at 540-302-5003

Josh & Dyanna Desforges. Real estate excellence, delivered. Serving the Roanoke Valley

The J&D Realty Team

Josh & Dyanna Desforges. Real estate excellence, delivered. Serving the Roanoke Valley

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