Will she accept my offer? I am offering $95,000 for a house that she is asking $129,900.?

I don't think I would take it. Do you know if she owes on it? If she has a mortgage its going to depend on how much she still owes. Why would she sell it if there is no profit in it? It just depends on her situation and how much other places in that area are going for. You realtor should be able to tell you better than anyone.