Once you've been pre-approved for your mortgage, and you've found the home you want, it's time to make an offer. But before you do, there are some things you need to consider. First, know what your seller's motivation is. The more pressed they are to get out, the more likely they will take a lower offer. Second, be realistic. Going too low will turn off the seller. Lastly, be prepared to lose the house and move on. This is a seller's market, and there is a good chance that someone else will come in and bid higher than you.