Ive been wanting to buy a plasma TV for 3 years now, and I think I might test out this article at the local best buy, to see if they really want to negotiate.

I just wanted to say hello and give you some tips on successful negotiating.

I guess the next step for me is negotiating the best terms with the bank.

In 90 - 120 days when you sell the property or can Refinance (it's easier to refi then to obtain a new loan) the homeowner will get their lump sum check for $12,000.OR....you could negotiate with the seller to receive that $12,000 over a five year period and you would just make the payment each month to them.

I would even try negotiating with the assessor's office directly.

They would rather let the property sit on the market with no other bids (except mine) than negotiate and sell it to me.... while property values drop drop drop.After 30 days I'm going to resubmit a lower bid.

The process is often longer, there is less communication, less negotiation, less personality, and an overall feeling of helplessness.

If they hesitate at all, call the next one.Now give everything to your title company and they will start calling the banks and getting things lined up, make sure they know it's a short sale and the payoff figures that are being sent to them are your negotiated short sale amounts.Why do you need to worry about the HML?

The seller negotiated himself down from $5000 before I could say anything :D Including closing costs I was into it for $4000.

This is coming from someone who has worked for the banks internally and continue to negotiate these types of arrangements in bulk for our clients.