You’ve been able to find your perfect house even during the pandemic and you’re now ready to make an offer, congratulations! Here is some advice on how to prepare an offer without expecting surprises.

1. How low can you go?

Not as much as you would think.

“Banks have rolled out mortgage forbearance programs, so most sellers are not in immediate danger of losing their home, even if they just lost their job or their income has been significantly cut,” says Caleb Liu, ...