Yout bank did same as my bank.

I have posted my experience earlier. I have been busy to fix the house and did not update this yet.

http://web.wenxuecity.com/BBSView.php?SubID=tzlc&MsgID=188899
http://web.wenxuecity.com/BBSView.php?SubID=tzlc&MsgID=190554
http://web.wenxuecity.com/BBSView.php?SubID=tzlc&MsgID=191115

The final price for my story is actually $2.5k lower than my initial offer.

The bank counter with you to max their price. You could be the highest bidder. I would take adventage of this to lower the price, not increase it.