Earn $20 when you view your rate on a personal loan *
Bonus deposited into a SoFi Money® account. See terms.

10 Tips for Writing a Real Estate Offer Letter

January 27, 2021 · 4 minute read

We’re here to help! First and foremost, SoFi Learn strives to be a beneficial resource to you as you navigate your financial journey. Read more We develop content that covers a variety of financial topics. Sometimes, that content may include information about products, features, or services that SoFi does not provide. We aim to break down complicated concepts, loop you in on the latest trends, and keep you up-to-date on the stuff you can use to help get your money right. Read less

10 Tips for Writing a Real Estate Offer Letter

In a competitive market, including a real estate offer letter with your home offer can help you stand out from the crowd. The letter is an opportunity for you to tell the seller who you are and why you’d make the ideal new owner.

Making an offer on a house is a crucial step in the homebuying process, of course, but it sometimes could use a personal touch.

Check out these 10 tips for writing a persuasive real estate offer letter.

1. Make a Strong Opening

Remember handwriting? Do your best and write your letter on a nice piece of stationery. You’re trying to humanize yourself in the eyes of the seller, and a handwritten note can go a long way toward doing so.

Address the seller by name if possible, searching for it online or asking your real estate agent. If, for whatever reason, you can’t find the seller’s name, avoid impersonal greetings like “Dear Seller.” Instead, come up with a creative way to address them, such as “Dear Owners of the Charming Craftsman on Oak Drive.”

As you write the letter, convey a friendly tone and a sincere message.

2. Tell the Owner About Yourself

You’re trying to differentiate yourself from other potential buyers, so share something personal about yourself that makes you unique.

Tell the sellers something memorable about your family, whether you plan to raise kids in the house, or maybe you’ve got a baby on the way and you’re looking for more space.

You could also talk about where you’re moving from and why. Maybe you’ve taken a new job, you’re looking for a sense of community, and you fell in love with this neighborhood.

3. Share What You Like Best About the Home

Why you want to buy the home is the central theme of your letter. So tell the sellers somewhere near the top what it is you like best about their house. Mention specific details.

For example, maybe you like the large front porch and can picture gathering there with friends and family on warm summer nights. Or maybe you’ve become enamored of the kitchen, where you envision cooking big family meals.

Don’t be afraid to throw in a little bit of flattery at this point, letting the sellers know how much you appreciate how they’ve maintained the home.

4. Find a Connection

One way to develop a relationship with someone is to find common traits or interests. If you notice that you and the sellers share an interest, it can’t hurt to let them know.

Perhaps you’re a longtime gardener and it’s clear they’ve spent a long while planting and caring for a garden in the back. Maybe you have a passion for pottery, and the seller has a small ceramics studio in the back. Or maybe you noticed a jersey hanging on the wall from your favorite basketball team.

As you hunt for a connection, be careful not to cross any personal boundaries that might make the seller uncomfortable.

5. Send a Personal Photo

Consider including a photo of you, your family, and your pets to help the sellers visualize who could next live in their home.

Again, the point of an offer letter is to make you multidimensional and more than a document the sellers receive from their real estate agent. A photo can help the sellers put names and faces together with the formal offer.

6. Explain Your Bid

Once you’ve given a sense of yourself and why you want to live in this house, you can get down to explaining your offer. Be honest and respectful as you give context.

If you think your bid is low, no need to dance around it. You could explain that the house is your dream home but it’s at the top of your price range, and that you respectfully ask the seller to consider your offer.

7. Let Them Know You Are Serious

Selling a home is a lot of work. Sellers only want to entertain offers that are serious. The last thing they want on their hands is a buyer who slows down the process and might not even make it through closing.

Make sure your letter clearly illustrates that you are serious about your offer and ready to buy a home. Let them know if you have mortgage preapproval and if you are flexible around closing dates.

These things will help sellers know you are a serious candidate and prepared to keep the process moving forward.

8. Mind the Length

If there’s a lot of interest in a property, sellers might receive many offer letters.

They may not have the time, or interest, to read long-winded missives, so keep yours short and sweet, perhaps aiming for one page.

9. Thank the Owners

The close of your letter should be as strong as the opening. This is your last chance to make an impression, weave in some personal notes, and make any final flattering remarks.

Thank the sellers for considering your offer and let them know you are looking forward to hearing from them soon.

10. Avoid These Things

Some things are better left unsaid, like changes you’d like to make. The sellers may have spent decades making their home perfect in their eyes, and you never know what they might be attached to. So even if you want to remodel the downstairs to open up the floor plan, keep those thoughts to yourself for now.

Avoid being negative. For example, don’t talk about pricing in a way that makes it sound like it’s unfair. And it’s certainly best to avoid making it seem like you are pressuring the sellers in any way, as with talk about time constraints.

Finally, avoid insinuating that you could afford more than you offered. You don’t want the seller to question your motives or be insulted. And don’t contradict anything in your formal offer document.

The Takeaway

In a hot market, a friendly, personal house offer letter from a buyer could make home sellers take more notice, especially if they’re emotionally attached to the home and want to hand it off to a good caretaker. This is your chance to distinguish yourself amid a possible pile of other letters and sterile documents.

Serious home shoppers in an active market will get prequalified and then preapproved.

As you compare mortgage offerings, put SoFi in the mix and get your rate in a couple of minutes.

If you choose a SoFi mortgage loan, know that everything will be done online and that mortgage loan officers are available to guide you through the entire process.

Check out the competitive rates and perks of SoFi home loans.

SoFi Loan Products
SoFi loans are originated by SoFi Lending Corp. or an affiliate (dba SoFi), a lender licensed by the Department of Financial Protection and Innovation under the California Financing Law, license # 6054612; NMLS # 1121636 . For additional product-specific legal and licensing information, see SoFi.com/legal.

SoFi Home Loans
Terms, conditions, and state restrictions apply. SoFi Home Loans are not available in all states. See SoFi.com/eligibility for more information.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.


All your finances.
All in one app.

SoFi QR code, Download now, scan this with your phone’s camera

All your finances.
All in one app.

App Store rating

SoFi iOS App, Download on the App Store
SoFi Android App, Get it on Google Play

TLS 1.2 Encrypted
Equal Housing Lender