wow. thanks to all of you for this helpful advice. I will post the address and a lot of questions will be answered. The elderly couple bought in ’79 for $160 and I think they owe about $423. I will have to get comps from my agent but as far as asking him what to put down that’s not going to work because he really needs the sale and doesn’t want me to offer too low. I was thinking $675. The address is 2702 Mountain View Dr, Esc 92027. I guess I don’t need to worry about any of the Piggingtonians underbidding me.