[Johnnie Fair]

I have a variety of questions - 1. Me and my fiance are looking to purchase a new home - Should we co-finance the house or get married now and finance the house as a married couple. (We are getting married in March)2. We have a real estate agent that we vaguely know and we are interested in either a good foreclosure or a new home with good incentives, but she does not seem as interested in finding a foreclosed property as new homes - - should I shop around with other agents? (Is their more money to gain for her off the new properties)3. We have got our eyes on a foreclosed property with the bidding starting at 200k, we spoke to the agent and she told us that we should bid about 201K on the property (The closing date on the bidding is 5 days away in the middle of the holiday season - I personally think people will be to busy to notice it) ----- Would it hurt us to underbid on the property? We would like to bid 180 to 185K with an FHA loan. The surrounding property is valued at 220 to 258K.4. Is it possible for me to place a bid, and my fiance to place a separate bid on the same property?5. I know that their is a ten day period for personal buyers, but if my bid offer is rejected will the bank give a counter-offer or am I just out?6. WE REALLY WANT THIS PROPERTY SO ANY GOOD ADVICE WOULD BE GREAT!!!!!!!!!!!!!!!!!!!THANK YOUBY THE WAY THIS IS A HUD FORECLOSURE.