Making an offer to buy a home can be a daunting process. There are decisions to make around price, conditions, and settlement date. Then you have to negotiate all those terms with the owner, who might have very different ideas on market value. On top of all that, throw in potential competition from other buyers and you have quite a situation!

Here are 5 key things to know before you make an offer. They will help you navigate this process and come out the other side with a home you absolutely love, at a fair price.

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