[quote=walterwhite]my wife is realistic. She thinks it’s not worth what we’re offering but she likes it. She has concluded that you ahve to pay more than you think a house is worth in order to get it. She says i should get over it and just resolve myself to the reality that if i’m going to buya place, we have topay more than it really should be priced in a rational universe.[/quote]
If she likes the house, scaredy, and is otherwise hard to please, then make your OWN lender appt, then negotiate away the brother and try to get SOME reduction in the purchase price by countering any or all of that “loan closing allowance” away. You could still end up with a =<$10K reduction in sales price. It's worth a try!