Buying directly from the Bank

[Tracey Williams]

Hi friends,

I went out to look at a property today. An officer of the local bank that owns it came to show it to me. He inform me that if I have to bring in my agent I will have to come up on my offer. I like the property and will like to purchase it.

My questions is?

1. Do I need an agent to represent me when am buying directly from the bank?

2. If I do not use an agent how do I go about writing the offer or contract for it.

I intend to pay cash for it.

If you have done this kind of transaction before kindly share your experience.

Thanks, Tracey