I bought my house that way, by offering full price. I found our from my realtor after we made our offer that there were three other offers...all less than mine. We moved in a a little while later. I just look at the value and if I can afford it and if it seems fair. Many haggle just for sport, just to get the upper hand, walk away with something a little extra. Me? You don't come around on payday sticking your hand in my pocket, why should I stick mine in yours.