Make A Cash Offer In Person

Do not borrow the money, and do not make an offer though any commission-based buyer's agent. Save, invest, and make a cash offer in person or by mail direct to the seller (not the seller's agent!) You will come out way ahead by saving and paying cash with no agent because:

Remember: if you need a mortgage, you can't afford it!

OK, there is an exception: if you can find a house so cheap that the rent would cover all mortgage and other costs, and you would also still have a comfortable cash cushion left over, then perhaps it is OK to take out a mortgage.

Here are free offer forms and other contracts you can use. Make sure you leave yourself contingencies so you can back out.
Free Real Estate Contracts (contractwell.com)

If other people see the wisdom of paying cash as well, then YOU don't have to pay as much either. Help spread the word, for everyone's benefit. Please consider buying a bumper sticker. Offer strategies to discuss:

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