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When trying to buy a bank owned foreclosure listing it is extremely si-highlight--primary that you find REO agents that really know what they are doing. The art of presenting an offer to a bank is distinct from a traditional sale. There are certain things that an asset managers want to see that will make it more likely for them to accept your offer vs another. There are also things that are silly for your agent to try and negotiate, such as title and escrow services. The reason that it is silly is because the bank will always insist on working with their service companies. However, it is worth noting that if the buyer is willing to pay for the entire title fee then they buyer is typically able to choose the title company. Most people do not do this but that option is there.