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Theresa, here is why you should find a good local agent whom you like and trust. If you had one while making your offer on the bank foreclosure, an exeperienced agent could have advised you to offer more than the listing price. I bet the buyer who won the bid did just that and still is ahead of the market... If you had a realtor working for you, he/she would have been in communication with your bank/mortgage broker. If you have been pre-qualified for more than the amount you used to submit your 1st offer, you do not need to go through the process again. Best of luck to you.
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