This really depends on the bank that is selling the home. There are situations where a home may not be receiving market attention (i.e. it is on market more than 60 days and not sold) and then the Seller is likely to be negotiable. In the end, it is really no different than buying John and Jane Doe’s house. If you want to make an offer that day they put their home on the market they are not likely to be negotiable. If you find their home after is have been on market a few months you are likely to find them negotiable.
