Next time keep in mind that bank expects offers for the pre- or foreclosures about 10% lower than the asking price. Never offer a full price for the foreclosure. Always use an agent when buying a house - the seller pays the agent fees (unless specified otherwise). Buyers agent protects the buyers rights, not the sellers (unless you are buying from the listing agent, who is a sellers agent as well) but even then he takes responsibility to protekt your rights as well.