To submit an offer please call (218)334-7653. An Heart O Lakes Realty sales agent will be happy to assist you.


Please read the guidelines below to ensure a successful offer.



All offers must include proof of funds. The seller may not respond to your offer without proof of funding. Either a pre-approval letter or a statement on a bank letterhead indicating availability of funds is required.

Addenda – A Sellers Addendum will be provided either with your counter offer or as your counter offer. Such addenda will stipulate the as is condition of the home and other terms relative to closing dates and instructions, title insurance and inspection periods.



We specialize in selling Bank Owned, Foreclosed properties, which are usually sold “as is”.
Please allow AT LEAST 3-5 Business Days Response Time on ALL Offers.
Our customers have instructed us that quick responses are not always possible.
Wait 3 Business Days before calling to check the status of your offer.
If your offer expires, its terms are no longer binding. Please submit an extension if necessary. You will get a response even if your offer has expired. You will be notified immediately upon the seller’s response.
Extensions: Please submit an Amendment to extend time to respond if necessary and the seller will sign it if your offer is accepted. If you do not submit an extension, provisions will be made in your counter offer extending response time.



Inspections – In most cases the electric is on. Gas will also be on only if heat is required and then only if gas appliances are present and functional. In most cases water will be on to the METER ONLY. In all cases properties have been winterized. DO NOT DISRUPT THE WINTERIZATION. As the property is listed for sale in AS-IS CONDITION, the seller will not guarantee that utilities will be functional for inspection. The seller WILL NOT authorize any repairs for the purpose of inspection unless agreed to in writing in the accepted purchase agreement. In all cases you must request DE-WINTERIZATION if pluming inspection is required.
ALLOW 5 DAYS FOR DE-WINTERIZATION. If you find that any utility is not on, it is due to a problem with such utilities, and such utilities will NOT BE TURNED ON unless the buyer pays for the repairs required to establish such service. DO NOT ORDER ANY UNTILITY TURNED ON WITHOUT WRITTEN CONSENT OF INDY REO.


Earnest Money and the following Original documents must be submitted immediately upon notification of Acceptance of an Offer.

Purchase Agreement- All pages and the Signature Page with original signature of buyer
Counter Offers (if applicable) - All pages and the Signature Page with original signature of buyer
Sellers Addendum - All pages and the Signature Page with original signature of buyer
Lead Based Paint Disclosure (if applicable) - All pages and the Signature Page with original signature of buyer

Title Commitments
Title insurance will not be ordered until Heart O Lakes Realty has received earnest money and all original documents.