From years of experience, I have found that the most important thing is to offer the maximum you will give and make that offer good for a certain time--with date.
Many years ago, I present a sealed bid on a tractor that was reprocessed by a finance company.
My bid was ridiculously low so I didn't have a time limit.
Finance company called me several weeks later to ask for a higher bid. I asked if they had any other bids and they said they had four. I then asked if my bid was the highest and they informed me that it was but was not high enough.
I told them I had bid my maximum and if it was accepted to contact me.
A few days later they called and wanted me to pick it up.
It sounds like the bank is trying to get more money from you, and if it was me, I would call them and say your offer would not be honored after a certain date.
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Today's Featured Article - Old Abe is Still Making Hay - by Jeremy Sweeten. Things have changed a bit since my last article. I am now almost finished graduate school at Purdue University. I am still in Agronomy, but specializing in hay and forages. My wife has survived two years of marriage to a part-time farmer. The equipment line up has changed a bit too. The DC has retired to
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