Could i bring a 97k home down to about 82k ? How can i do it?

You make an offer and see if the seller will accept.

You need to backup your lower offer with reasons why the property isn't worth the value they are asking. Having your own agent represent you in purchase would help out a lot. If the property is listed by another agent, having your own agent won't cost you a penny more.

sure, make them an offer for 82,000??


what's the worst they can do? tell you no?

Make a formal offer. They'll probably turn it down, maybe counter-offer, but you never know.

You offer and see what the response is. Being preapproved for a mortgage will greatly help ANY offer.