Offer day

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• Call Spencer with the address & your target pricePayment and cash-to-close at the offer number — before you commit to it.
• Get the pre-approval letter matched to the offer priceNever show the seller your max budget.
• Three-way huddle: you + agent + SpencerCredits, timeline, earnest money, contingencies — decided together.
• Confirm the closing date is loan-realisticPromise dates the financing can actually hit.
• Decide earnest money amountCompetitive for the market, comfortable for your cash-to-close.
• Understand any appraisal-gap language in dollarsKnow the worst case before you sign it.
• Keep the financing contingency protectiveStrength comes from documentation, not from removing your seatbelt.
• Review every line before signingNames, price, dates, inclusions (yes, ask about the fridge).
• Confirm Spencer calls the listing agentThe credibility call goes in alongside your offer. Every time.
• BreatheYou did this right: as a team, with real numbers. Whatever happens, you’re a stronger buyer than yesterday.

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