January 2nd, 2010
Like all our fellow realtors, we know that there are all different calibers of realtors. But when you really think about it, what makes a certain percentage of realtors stand above the crowd is PASSION.
My wife Joyce and I opened our first office in 2000, then 10 months later opened a branch office. Later this month will mark the 10th anniversary of us working six days a week - we try to take Wednesdays off together but often spend half the day on our cell phones - and answering our phones 6am to 9pm every day of the year. Yes, I know what you're thinking. We must be crazy to be accessible 15 hours a day, right?
But, you see, real estate is our life, our passion. Our kids are grown and gone and now we have the freedom of a 20-something childless couple, although our combined ages is 120. To avoid being kicked in the shins, I won't say which one of us is older.
We are both early risers, so having our cell phones unplugged and turned on by 6:00 in the morning is no problem. We find that many of our clients, stuck in rush hour traffic around Philly or NYC, make use of this time to call us and discuss the transaction we're working on together or the properties they want to tour on the weekend.
Nighttime phone calls don't crimp our lifestyle either. Okay, we may be in the grocery store or a restaurant, but we've closed deals standing next to the broccoli and cauliflower display. Our norm, however, is that we're sitting on the couch together watching a cable movie or nature program. Folks like to call us around that time after they've put their kids to bed and they finally have some quiet time.
In the warm weather months when the daylight hours last longer, we do have one other distraction in the evenings. We jump in my pickup truck, select a town, and cruise up and down neighborhood streets seeing "what's new". We notice new construction and homes newly put up for sale. We talk about it like two excited teenagers. And since the weather is warm, families are outside in their yards and we wave and our real estate signs on the truck doors get noticed. More than once someone has waved us down to talk about the current real estate market. That's social networking in its purest form, I guess.
I know there are many, many other realtors across the country with passion for their trade. Obviously, any realtor who takes the time to read and contribute regularly to Active Rain has that passion. So do those who read the real estate trade magazines from cover to cover. And those continually participating in some sort of continuing education and earning additional designations.
To all of you, I tip my hat. Together, we've taken real estate sales from being a job to a profession we're proud of. And love.
- Mountain Man and City Girl
This is a humorous blog written by my husband, Douglas (Mountain Man) not to be taken seriously. Have run reading.
December 31st, 2009
I'm not really the type of guy to make New Year's resolutions. I guess it's because I've pretty much always been in control of my life. Okay, so I always want to lose weight and I guess that is the one resolution that I might think about each December. But it probably has more to do with the overeating I enjoy from Thanksgiving through January 1st and it's just a coincidence of calendar.
But, what the heck. Let me see if I can't take a few things that bother me and turn them into New Year's resolutions.
I vow to pay no attention to the Nostradamus prophecy of the end of the world on December 21, 2012. Give me a break. There's no way some dude in 1555 could predict the end of civilization. As the stoned-out hippies used to say, "Far out, I see it, too." Nostradamus will get the attention equal to Y2K, and fail as miserably.
I vow not to mumble under my breath when I see a woman covered in tattoos. Sure, I think it's degrading, even belittling. But I'll keep my mouth shut.
I vow not to make fun of religion. So what if it is a continuance of primitive pagan rituals that fly in the face of science. So what if religion has been the basis of wars and murder for many millineum, and still is to this day. I'll just consider it population control.
I vow not to complain when a bunch of brats are screaming in a store, "I want that!" and the mother exerts no control, no authority. She's probably dumber than them, anyway.
I vow not to get upset when the driver in front of me turns without signalling. Or hogs the passing lane while going 5 mph under the speed limit. I'll just keep driving my beat-up truck that subtly says, "I don't care, I'll ram you."
I vow not to get pissed off when I see a dog tied up to a chain out in the pouring rain with no cover, no food, no hope. Maybe the dog was Idi Amin in its last life and deserves it.
I vow not to speak badly about ALL politicians and our corrupt government system. There must be one politician out there with the ethics of Gandhi.
And lastly, I vow to not take seriously any of these stupid New Year's resolutions. If I can't bitch and complain and grumble, what do I have to look forward to in 2010?
- Mountain Man
http://www.MountainManandCityGirl.com
The Demise of "da inglish langwij"
Maybe it's me. But I'm really amazed at how the majority of the American public has no sense of correct spelling and grammar.
Since you are reading this blog instead of sitting home on the couch watching Jerry Springer or hanging out in an alley sipping some Boone's Farm Apple Wine and puffing on a cigarette, you are also probably confounded by how the English language is being butchered.
As a realtor, I am actually getting used to the fact that so many people spell realty as R-E-A-L-I-T-Y. Duh! Isn't reality one of those dumb shows where people eat maggots or get stranded together on an island?
And how about people who say, "I ain't got none." Gee, I didn't learn not to use double negatives until I was in the fourth grade. Or was it sooner? (Did you notice my use of a double negative?)
I guess our educational systems are to blame. Teachers become babysitters to half the kids, while the other half actually learn and excel. I was always in the "accelerated" class growing up in progressive North Jersey, so I was separated from the dummies after kindergarten and apparently forgot they existed. Perhaps that's why I'm perplexed by their lack of English fundamentals.
Yet, you would think that after 10 or 12 years of school people would have retained some elements of grammar and spelling. Some people come from the worst possible environment or home life, but somehow they work hard and get college degrees and end up with high-paying jobs. They show that anyone can excel.
So how come some people can't even fill out a job application or handle a job interview? The answer may be that they concentrated on being "cool" when they were in school, instead of toeing the line. I guess that once again lays the blame on the schools.
I'm not sure what the solution is. More compassion from teachers, smaller classrooms, more individual attention? Maybe more direction from parents, but if they're half-literate that'll be tough.
Maybe we better just play taps for the English language and bury it with honors.
- Mountain Man and City Girl
http://www.MountainManandCityGirl.com
I alway enjoy listening to my husband talk about his life and how times have changed. Life was much simpler back then. I, too, had a great childhood with lots of memories. Being Italian with a large family was a great way to grow up. But it's now time to look to the future and what's in store for us.
A Changing World
When I was a youngster, I thought everything always stayed the same. I thought the corner general store would always be there and always be called Percy's. The same for Al's Barber Shop, and the same for Green's Luncheonette and Woolworths and the A&P. I was naive and too young to understand the evolution of change.
Then reality began to set in. First, the knifeman no longer drove up and down the neighborhood streets with a familiar bell ringing on the back of his truck. Mom would send me running to flag him down and she'd follow with a basket full of kitchen knives to be sharpened. A few years later there was a note in the milk box saying that Sicomac Dairy would no longer be delivering milk, eggs, sour cream, etc to our door. About the same time the local dry cleaner also stopped doing home deliveries. What was the world coming to?
Change continued through my teens and twenties. I used to peddle my bicycle delivering the Bergen Evening Record newspaper every afternoon after school. They became a morning newspaper, following an industry trend, and next thing you know newspaper home delivery was done by adults in cars at 5am. Yikes!
My next job was as a caddy at a golf course. We made $2.75 for carrying a golf bag 18 holes, and $5.50 if we were big enough to carry two bags for 18 holes. With tip, that came to $6 for about five hours work. I was on top of the world and "rich" compared to my fellow high schoolers. But you know where this story is going. Within a decade, caddies were as extinct as dinosaurs. Golf carts put us out of business. The end of an era.
With all these experiences in my rear view mirror, allow me to gaze into my crystal ball and look into the future. The biggest change I see is in the world of retail stores.
The internet is going to decrease the number of retail stores. We're already seeing it in the demise of such venues as movie rentals - adios Blockbuster - and music stores. The internet allows you to download movies and music from the comfort of your home. And heck, just about every new movie is on cable within six months anyway, so why not wait?
Stores that sell appliances will be the next victim. Just ask Circuit City or Linens 'n Things. Circuit City had 576 big box stores and Linen ‘n Things had 571. All their stores are now shuddered and they sell, yes, on the internet only. Who'd a thunk it?
Just about any store that sells things that are also readily available on the internet is in trouble. The exception, of course, is things you need to touch or try on first. I'm not gonna buy shoes or pants from the internet. I need to try them on to make sure the fit is just right. And I want to physically see some items before purchasing to make sure they are of sufficient quality. A picture on the internet doesn't relay the quality.
Stores that cater to "touch and try on" and large selection will survive, like WalMart and Target and Costco and such, because high volume of sales will carry them. But smaller stores, not to mention Mom & Pop's, are in trouble. The cost of rent and utilities and inventory and employees makes them unprofitable, or at least not worth the bother.
Look around. I'm sure you've noticed how many empty storefronts are in your community. Nationally, the vacancy rate for retail stores is about 7% and malls is nearly 10%. It seems like more. Expect those numbers to increase.
But all's not lost. Restaurants will survive and thrive. In fact, anything related to food will stay around. Who buys a hamburger or a cantelope on the internet? Doctors, dentists, lawyers, realtors, accountants and other similar occupations will continue to occupy a physical space in the community. So will hardware stores and lumber yards and florists and other "drop in and buy quick" businesses.
Thanks to internet sales, a good bet on the future would be to buy stock in FedEx, or UPS, and any other delivery company. Hey, wait. Haven't we just gone full circle?
- Mountain Man
http://www.MountainManandCityGirl.com
TURN ON THE HEAT
Once again, it seems that summer ended and after a couple short weeks of autumn, we emerged right into winter.
The story through it all here at the shore has been rain, rain, rain. It seems like we get dumped on with two or three inches of rain, then after a couple day reprieve it rains again.
The bright side is that the bugs are gone, the leaves are raked up, and you can have the beach and Boardwalk all to yourself. Enjoy it!
RENTALS ARE BACK
After being mothballed since 2004, Jewell Real Estate Agency has revived its rental program. If you remember, we scrapped the rentals after the 2004 season upon learning that Joyce had breast cancer. We wanted her to have less stress and be able to devote all of her time to fighting this deadly enemy. It worked and she won!
We are now accepting applications for weekly, seasonal, and yearround rentals for 2010. As always, we answer phones 6am to 9pm every day and you always get a real, live person. We will expand that on summer Friday and Saturday nights until 11pm to handle rental inquiries and such.
Your rental property will be advertised on our website - and others we select - with pictures, descriptions, and a virtual tour, giving your property maximum exposure to a wide audience of potential family renters. Our friendly staff of Chris, Maryetta, and Ashley assist Joyce in getting you results.
WILDWOOD RECALLS MAYOR
The City of Wildwood recall election took place December 8 and voters were heard. Loud and clear.
The first question on the ballot was whether voters wanted to recalled Mayor Ernie Troiano and Commissioner Bill Davenport. Voters ousted the mayor by a vote of 624 to 487. Davenport got booted by a count of 649 to 470.
The second part of the ballot had a choice of six candidates to fill the two seats. With a dozen or so provisional votes not yet counted, Ed Harshaw led the way with 600 votes and Al Brannen garnered 577. They will join Commissioner Gary DeMarzo in now running the city.
Troiano fell short of getting his seat back with 496 votes and Davenport finished fourth with 453. Rounding out the field were Ernesto Salvatico with 45 votes and John Roat with 42.
A week later the commissioners voted amongst themselves as to who would become the new mayor. The winner was DeMarzo, with Brannen getting the deputy mayor post.
The new trio began their reign by appointing Atlantic City lawyer Daniel Gallagher as interim city solicitor, a position held by Wildwood attorney Marcus Karavan. Gallagher was the attorney for the recall committee. Next they appointed former Ocean City administrator Richard Deaney as Wildwood's interim administrator.
They also decided to solicit bids for a new city auditor, presently held by the firm of Ford, Scott, Seidenburg & Kennedy of Marmora, and city engineer, currently manned by Remington Vernick of Wildwood.
The commissioners also decided that their meetings - held the second and fourth Wednesdays - would both be at 6:30pm at night, putting an end to one being in the afternoon.
The new government now has the unenviable task of reducing real estate property taxes. The city has the highest rate in Cape May County at $1.83 per hundred dollars of assessment. Time will tell!
OUR BLOG
The internet reports that there are 30 million blogs out there in cyberspace, so obviously you can't read them all. But if you enjoy our newsletters - and about 10,000 folks do six times a year - you'll absolutely love our blog.
The popular and provocative blog website address is http://www.MountainManandCityGirl.com There are several blogs added each week and they deal with everything from real estate to government policies to politics to things that, well, just rub us the wrong way. There's stuff about the Wildwoods, Cape May County, the state of New Jersey, and life in general. It's full of information and opinions that you might not find anywhere else.
Some of our blogs will make you laugh, some will make you mad - maybe at us, but hopefully with us - but all will make you sit back and think a little bit. So if you want to see what we Baby Boomers are gonna say next, bookmark Mountain and City Girl and click in regularly. And feel free to comment on any of our blogs.
WEST WILDWOOD RECALL
Not to be outdone by Wildwood, the Borough of West Wildwood will apparently have its own recall election on January 26, 2010. Maybe.
Recall petitions attempting to take Mayor Herbert Frederick to a recall election were verified by Borough Clerk Dorothy Tomlin on November 20. By law, Frederick had five business days to resign, but he refused.
Instead, Frederick is challenging Tomlin's approval of the petition, which he claims has "deficiencies, improprieties, and irregularities".
Recall petitions concerning Commissioner Scott Golden were also submitted, but Tomlin has not yet ruled on their validity.
In the little community of less than 500 voters, which evokes memories of Peyton Place, the fireworks are far from over. Stay tuned.
HOUSING DEMANDS
Statistically speaking, demand for housing should fuel real estate sales in the near future.
The country added about 2 million new households in each of the years 2005, 2006, and 2007. In 2008 and 2009, about a million new households were created each year. That's eight million new households that need a place to live. Many have doubled up with parents or siblings.
There are currently estimated to be 16 million renters who have the income to purchase a home. Many are holding off due to fear of having their work hours reduced or even being laid off.
As the media embraces the recovery from the Recession and gets off the doom and gloom bandwagon, American's fears will be abated and they will step up and purchase their first home. And that begins to the cycle of real estate growth and full employment of tradesmen from builders and masons to framers, roofers, plumbers, carpenters, sheet rock installers, HVAC installers, electricians, tillers, and more. Manufacturing is kick started by demand for lumber, plywood, roofing, siding, windows, doors, appliances, and so forth.
Be patient and think positive. Good times are right around the corner.
JEWELL REAL ESTATE AGENCY
We love to talk about real estate and our island. We're always glad to share our insights, observations, and vision with you.
Stop by our office at 5602 New Jersey Avenue and chat. Or give Joyce or Douglas a call at 609-729-8505. We answer phones 6am to 9pm EVERYDAY and you always get a real, live person. That's service!
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I am the Broker/Owner of Jewell Real Estate Agency. We are a small family-owned agency and specialize in personal service. We answer phones 6am to 9pm EVERYDAY. We're never too busy to talk to you.
Jewell Real Estate Agency is a family owned and operated realty that lives up to its motto, "Modern Technology, Old-Fashioned Service". We answer phones 6am to 9pm EVERYDAY. When you deal with us, you are always working with Joyce and Douglas Jewell, two experienced real estate brokers. The buck stops here.
Jewell Real Estate Agency offers the ultimate in client service - we answer our telephones 6am to 9pm, 365 days a year. That's right! You can reach us at your convenience without the confinement of the "9 to 5" mentality. You're able to talk business with your realtor before going to work in the morning, or in the evening when your day is winding down. And no more frustrating weekends where you have to wait until Monday when the office is open again to contact your agent about a promising property you spotted in your travels.
Our highly visible Wildwood Crest office is open 8am to 5pm. That makes buying or selling a property on the island easy and convenient. The Swainton office, which is attached to our home, is open 7am to 7pm. If you list "FOR SALE" property with us, you have comfort in knowing that buyers and other real estate agents have access to information about your property 15 hours a day, not just the standard 40 hours a week.
Jewell Real Estate Agency is all about "information". The latest technology, instant access to Cape May County's Multiple Listing Service, digital camera imagery, e-mail and faxing, plus our web site (http://www.jewellrealestateagency.com/), make the gathering and exchange of information fast and easy. The office also has information at its fingertips which others can't supply - that vital info you need about schools, ratables, recreation facilities, services, etc.
Jewell Real Estate Agency is a member of the Cape May County Association of Realtors, the New Jersey Association of Realtors, and the National Association of Realtors. The office serves 14 of the county's 16 municipalities (Ocean City and most of Upper Township belong to the Atlantic County Board of Realtors) with sales of residential homes, condominiums and townhouses, lots, and commercial properties.
Douglas Jewell
Douglas Jewell brings a unique perspective to the business with his background in surveying and having built two homes for himself from the ground up. As an active environmentalist, smart growth advocate, and former newspaper reporter, he has accumulated a keen knowledge of zoning, planning, infrastructure, land use, and future trends in the county.
Douglas specializes in finding commercial properties for buyers, especially restaurants and bars, motels, apartment buildings, and Boardwalk enterprises. He has a good command of profit/loss requirements and debt service, justifiable property upgrades for increased profits, and which businesses have been under-utilized or poorly managed and show future increased profit potential.
Douglas has earned the prestigious GRI designation - which stands for Graduate Real Estate Institute - a degree held by less than 5 percent of all realtors nationwide. He followed that by continuing his real estate education and earning his broker status.
Joyce Jewell
Joyce Jewell brings her many years of intimate knowledge and expertise about vacation home sales and rental property management to the family business. She is particularly familiar with condominium and townhome properties in the Wildwood Crest and Diamond Beach areas.
Joyce has an uncanny knack for finding the right property for her clients and helping make their dreams come true. One of her greatest pleasures is having continuing relationships with her past clients, and she truly enjoys spending time chatting with her frequent visitors.
Joyce is proud of her achievements as a realtor, having obtained her GRI and broker designations, plus numerous sales awards. She is also connected to her community by being a member of the Middle Township Zoning Board.
HOME STAGING
Experienced realtors know the tip off when Buyers have found the right property - it's the twinkle in their eyes. The potential purchasers thoughts are reverberating, "This is it. This is me. I fit here." The property seems to figuratively wrap its arms around the Buyers as if to say, "Welcome Home!"
For Sellers, their mission is to make their home as appealing as possible to potential purchasers. The Buyers need to be swept off their feet when they first enter your home. First impressions are everything. It's that "warm, fuzzy feeling" that turns prospects into Buyers.
In the tight Buyers real estate market of 2007, which is vastly different from the Sellers market of 2002-2005, a property needs to stand out from the others in order to be sold in a timely manner at a good price. Plainly stated, there is currently an overabundance of residential inventory.
A Seller needs an edge - an advantage - to make their property stand out in the crowd. That's where Cape May Home Seller Consulting can help. We offer a neutral prospective - a skilled and trained third eye to transform, mold, and showcase your property.
Joyce Jewell brings her 28 years of knowledge as a New Jersey licensed realtor to Cape May Home Seller Consulting. In the last 10 years alone she has sold over 300 homes worth over $125 million. She has personally toured over 7,000 homes and condominiums with her thousands of clients. She's judged their reactions, heard their likes and dislikes, and seen firsthand the qualities and characteristics that captivate Buyers.
Joyce, besides being the broker/owner of her own real estate firm, has earned the distinction of being an Accredited Staging Professional (ASPTM) and she belongs to the International Association of Home Staging Professionals (IAHSP).
Cape May Home Seller Consulting assists both the Seller and their realtor by presenting the buying public with the best possible product - at a minimal cost to the Seller.
Statistics show that a staged home sells on average for 7% more money than the same home if not staged, and it sells in half the time. Put into dollars, that means an unstaged home that would sell for $300,000 would fetch about $320,000 when staged, and an unstaged home that would get $500,000 would bring in $535,000 if staged. Hmmm. Prospective Buyers also spend twice as much time viewing a staged home versus a home untouched by a staging professional.
Visit us at http://www.capemayhomeseller.com/ for more information.
Call for your FREE Market Analysis
In today's "technology age" of internet access and email, fax machines and cell phones, there is still one facet of the real estate business that separates the pack - SERVICE.
That's exactly what you get with Jewell Real Estate Agency. Here's what we can do for you:
What this all means is that we represent you and your interests and will be able to negotiate the best price and terms for the sale of your property. At Jewell Real Estate Agency, service is our specialty.....and as always, you're more than a client, you're a friend.
When you're looking for KNOWLEDGE and PERSONAL SERVICE, look to Jewell Real Estate Agency.
FREQUENTLY ASKED QUESTIONS
Douglas Answers Your Inquiries
Do you handle rental properties?
Are there still opportunities to make money in the real estate market?
I see properties still reducing their prices. Does this mean the market hasn't hit bottom?
What exactly is a "short sale"?
Can you find me an investment property that will pay for itself?
Why should I use a realtor? Can't I sell my property myself and save that money?
If I use Jewell Real Estate Agency to help me find a property to buy, do I have to pay you a commission?
So what exactly does the realtor do for me, as a Buyer?
A:Yes. We have weekly, seasonal, and yearround family rentals available in Diamond Beach, Wildwood Crest, Wildwood, North Wildwood, and West Wildwood. We are also always accepting new properties for our program. We answer our phones 6am to 9pm every single day of the year and on summer Friday and Saturday nights we're accessible by phone until 11pm. That gives landlords, tenants, and prospective renters the opportunity to get hold of us for inquiries and problem-solving at least 15 hours a day.
A: Absolutely! Remember all those folks who sold island properties back in 2003, 2004, and 2005 and made a substantial profit? They bought in the 1990s at bargain prices. Well, 2009 and 2010 is just like the late '90s. You can buy low right now - with interest rates at historic lows - then wait a few years for the next big upswing in the real estate market. The old adage is "buy low, sell high". This is the time to buy low, especially with prices $100,000 to $150,000 below 2006 prices.
A:No. It's more an indication that the Seller set an unrealistic price in the first place. Many Sellers who bought in 2005 to 2007 paid more than the property is worth today. Their attitude is, "Well, I really don't have to sell the property", so they try to recoup their entire original investment. After the property sits on the market for six months or so with little or no interest from Buyers, the Seller realizes that's it's not going to sell at that price. So the Seller reduces the price knowing he'll take a loss. If that still doesn't get it sold, many Sellers will do a "short sale" and continue lowering the price at regular intervals until a Buyer is found.
A:A short sale is when the purchase price of a property is less than the mortgage amount owed to the back. The contract for sale requires the lender to approve the sales price before the transaction can take place.
As an example, suppose John Doe paid $250,000 for a property in 2007 and he financed $200,000. After a while on the market, he finally gets an offer of $175,000. The Seller and Buyer can sign the contract, but it isn't until the lender signs off on the deficient amount that the sale can go through. The lender then has three possible courses of action with regard to the Seller: 1.) Make them sign a personal note for the $25,000, 2.) give them a Form 1099 for the $25,000, or 3.) forgive the debt. Usually the bank forgives the debt and moves on.
A: Probably not, unless you're willing to put a lot of money down - more than I'd recommend.
Some Buyers come into the market searching for a property that will carry the mortgage and taxes through rental income, whether it's a condo or a multi-family property. Putting a traditional down payment of 10-20 percent, that's not going to happen. It will be necessary to fund some of the yearly expenses out of your pocket. That's the reality.
That's not to say that you can't make money buying an investment property. However, your profit comes through the equity you build as prices steadily rise and you don't realize that profit until you sell the property.
A: Absolutely not! All commissions are paid by the Seller. That commission amount has already been agreed to and signed by the Seller and his realtor back on the day the Listing Agreement was originally signed. You owe no commission and we charge you no fees whatsoever.
A: In some instances, Sellers do successfully complete a real estate transaction on their own. But they have to know the pitfalls, or else their attempt to save themselves money can actually end up costing them money.
One problem with selling your own property is that almost every potential Buyer immediately starts calculating what the commission would have been with a realtor involved, then they deduct that from their bid. They feel that amount is theirs to save, not the Sellers. So you are back to the same amount of money, but without the expertise of a realtor.
Also, most people are not good negotiators. So the Seller tends to buckle under at a lower price, make concessions that are unfavorable, or settle for terms weighted toward the Buyer. Even if the Seller gets his way, there are often hard feelings between the two parties that fester during the one to three month duration of the transaction.
A: Let's compare your transaction to a football team. You are the owner of the football team. The realtor is your quarterback. You are in control, but the realtor oversees the action and makes sure all the team members are performing as required and in a timely manner. Other members of your team are a mortgage person, title company, insurance company, surveyor, home inspector, pest inspector, and fire inspector, and sometimes a plumber, electrician, contractor or other service specialist.
Your relationship with a realtor begins with the search for a suitable property. Especially in a vacation home market like Cape May County, the realtor has valuable local knowledge that is especially helpful. The realtor knows what neighborhoods have good resale value, what floor plans are outdated and not functional, where new construction projects might take away that nice view or a strip mall might change the character of an area. There are dozens and dozens of things that your realtor - who lives locally and follows local land use decisions in the newspapers - knows that can save you much heartbreak and sorrow. You can't put a price on that information!
Once you and your realtor find that right property, it's time to put in a bid. Your realtor knows how to structure that bid so that the terms are favorable to you and your circumstances, without going overboard and offending the Seller. The negotiations proceed between your realtor and the Seller's realtor, with each realtor reporting to his client every step of the way. The Buyer and Seller often never meet until the day of closing, and without the strain of having negotiated face-to-face the parties usually have an amiable transfer of title and part friends.
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