You may know you will have the funds and financing to close but that means little to a seller considering multiple offers. You MUST be able to convince a seller that you can back up your offer.  The BEST way to do this is proof of cash. Most people can't pay all cash so a close second option is a full credit approval from a lender. This means your loan has already been underwritten (the lender reviewed your documents of income and credit) and is subject only to an appraisal on the property.  The 3rd option is a preapproval/prequalification letter from your lender that has reviewed your credit  and issued a letter that basically says that based on your credit you can have the loan if the rest of the information (which they have not reviewed) is accurate and verified.  All other things being equal the buyer with cash will beat out an offer from a buyer with a full credit approval and a buyer with full credit approval will beat out the buyer with the prequal letter.
Home Purchase offer tips 
Choosing homes tips SouthJerseyHomes.com
As your " buyer's agent" I will prepare and submit your offer after helping you determine what upgrades or price concessions you might obtain from the seller. Factors that go into determining this  include: comparable property sales prices, condition, competing properties on the market.  A prequalification or preapproval letter from a lender MUST be submitted with the offer, otherwise the seller may not even respond. Some homes sell for close to the asking price. Your objective is to get the home for the best price possible. You want the best price but you also want to end up with the home.  

 Seller concessions: If you would like a home warranty, your purchase offer can specify that the seller will pay for this (generally about $400).  You can also ask for money from the seller to help with your closing costs. This will reduce your out of pocket costs.  These seller concessions reduce your out of pocket expenses at and after settlement. However, they also reduce the bottom line that the seller cares about most. 

When you have your home inspection done ( generally  by about 2 weeks after you sign the contract), you may discover defects for which you wish to ask compensation from the seller.  The seller may or may not agree. 

Sellers care about their 'bottom line' and the likelihood that the buyer can actually complete the purchase.  The prequalification or credit approval letter is critical.  Almost all lenders will provide this if you qualify.  If they say they don't, then go to  a different lender. I should already have this in my file by the time we are looking at homes.
 
E-Mail Paul Howard for more information!