Tony and Suzanne Marriott, Associate Brokers, Haven Express @ Keller Williams Arizona Realty (Serving the Greater Phoenix and Scottsdale Metropolitan Area)

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Evelyn Johnston
Friends & Neighbors Real Estate - Elkhart, IN
The People You Know, Like and Trust!

As a listing agent I do send executed contracts to the title company and the lender.  As a buyers agent I also send executed contracts to the title company and the lender.  I don't take any chances.

Jan 23, 2016 10:08 AM
Gabe Sanders
Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales - Stuart, FL
Stuart Florida Real Estate

I have yet to see any lender give very much credence to performing per the contract.  They have no penalty for non-performance.

Jan 23, 2016 03:15 AM
Bob Crane
Woodland Management Service / Woodland Real Estate, KW Diversified - Stevens Point, WI
Forestland Experts! 715-204-9671

The buyer, or their agent, or anyone who cares if the deal closes.

Jan 23, 2016 05:30 AM
Michael J. Perry
KW Elite - Lancaster, PA
Lancaster, PA Relo Specialist

Now that so few are being written , I usually just include the Buyers Lender in the email I send of the fully executed contracts .

Jan 23, 2016 04:59 AM
Michael Setunsky
Woodbridge, VA
Your Commercial Real Estate Link to Northern VA

Tony and Suzanne Marriott, Associate Brokers It is too late to deliver a contract when it is executed. The property already closed..

Jan 23, 2016 04:37 AM
William Feela
Realtor, Whispering Pines Realty 651-674-5999 No.

I don't care who's is responsible, I do it myself to make sure they have it in a timely matter.  I do give the buyers agent 2 days and then I check to make sure the bank has it.  For my buyer, I am watching closely that the PA is followed closely

Jan 23, 2016 04:12 AM
Eve Alexander
Buyers Broker of Florida - Tampa, FL
Exclusively Representing ONLY Tampa Home Buyers

The buyers agent is not the one getting the loan.  The ONLY person that has standing in the loan is the BUYER.

The buyers agent should get all the docs to the lender and advise the buyer of their time frame for compliance...

I recommend that the sellers agent take a deep breath and read the terms of the contract.  If the buyer is in default follow the remedy that is in the contract.



Jan 23, 2016 04:09 AM
Richard L. McKinney P.A.
Atlantic Shores Realty Expertise - Port St Lucie, FL
For Results that MOVE you on the Treasure Coast!

The buyer is ultimately responsible for both as they are parties to the contract. 


Jan 23, 2016 03:34 AM
Jeff Dowler, CRS
eXp Realty of California, Inc. - Carlsbad, CA
The Southern California Relocation Dude

Buyer and buyer's agent. But I always check mhself to be sure this is done right away after being executed so things do not get delayed

Jan 23, 2016 02:49 AM
David Gibson CNE, 719-304-4684 ~ Colorado Springs Relocation
Colorado Real Estate Advisers LLC - Colorado Springs, CO
Relocation, Luxury & Lifestyle residential

Tony and Suzanne,

Is this a trick question? I agree with Roy Kelley.


Jan 23, 2016 02:22 AM
Roy Kelley
Retired - Gaithersburg, MD

The buyer and the buyer agent have this responsibility.

Jan 23, 2016 02:18 AM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

I believe that as it's the buyer's lender, the buyer is responsible for delivering contracts to ensure a complete application. That being said, I still send all the information over "just in case." In our area the lender only needs to perform vis-a-vis our due diligence date, so I make sure that appraisals are ordered and done on time. Beyond that, it's up to the buyer to ensure lender has everything in hand to issue a loan approval per contract deadlines.

Jan 23, 2016 09:11 PM
Praful Thakkar
LAER Realty Partners - Andover, MA
Andover, MA: Andover Luxury Homes For Sale

Tony and Suzanne Marriott, Associate Brokers - I usually take care of delivering signed contract to the lender - if I have relationships with the lender. If not, I let buyers take care of that.

Yes, reminder to lender about all the deadlines for sure. After all, I represent the buyers best interest.

Jan 23, 2016 03:47 PM
Patricia Kennedy
RLAH Real Estate - Washington, DC
Home in the Capital

Not sure who's responsible for either of these, but I deliver a copy of the contract to the lender and stalk them until settlement.

Jan 23, 2016 02:23 PM
Tammy Lankford,
Lane Realty Eatonton, GA Lake Sinclair, Milledgeville, 706-485-9668 - Eatonton, GA
Broker GA Lake Sinclair/Eatonton/Milledgeville

the buyer

Jan 23, 2016 12:27 PM
Debbie Reynolds, C21 Platinum Properties
Platinum Properties- (931)771-9070 - Clarksville, TN
The Dedicated Clarksville TN Realtor-(931)320-6730

I send it no matter which side of the contract I am on if I have the contact info. I want them to get it as early as possible. They may get a duplicate but that is alright. 

Jan 23, 2016 11:38 AM
Linda Guess
Keller Williams Tri-Lakes Branson, MO - Branson, MO
Branson area real estate sales.

Buyers choose the lender and are responsible for their lenders performance.

Jan 23, 2016 09:13 AM
Joan Dickie
Keller Williams Premier Realty - La Crosse, WI
Keller Williams Premier Realty

I agree with others.  The buyer is responsible for getting the contract to the lender and is responsible for getting the lender to perform, however, if the buyers agent wants to ensure that the contract is fulfilled on time, they will send a copy to the lender too, and ride herd to make sure all is going well.

Jan 23, 2016 07:33 AM
Candice A. Donofrio
Next Wave RE Investments LLC Bullhead City AZ Commercial RE Broker - Fort Mohave, AZ
928-201-4BHC (4242) call/text

The correct answer is THE BUYER. But we know it will be the buyer's agent directing traffic 99.999% of the time.

Jan 23, 2016 06:23 AM
Lyn Sims
Schaumburg, IL
Real Estate Broker Retired

Buyers agent but then as the LA you had better be following up for the seller. Also depends on who's fault it is:  buyer not bringing in loan app fee? lender on vacation?

Jan 23, 2016 04:46 AM
Troy Erickson AZ Realtor (602) 295-6807
HomeSmart - Chandler, AZ
Your Chandler, Ahwatukee, and East Valley Realtor

Tony and Suzanne - It is typically the buyer's agent who will send the info to the buyer's lender. Now as far as who is responsible, I would have to go with Ken Jones, and say it has to be the buyer, because the buyer is on the contract, not the buyer's agent.

Jan 25, 2016 02:16 PM
Dina Braun
Charlotte, NC

I can't resist.  Ultimately the "buyer" is responsible.  You guide your buyer, so you should tell them, to send it.  However, As a really good buyer agent, you should be in contact with their lender anyway and let them know a contract is on it's way.  I usually call the lender if I have not worked with them before and let them know.

Jan 24, 2016 07:50 AM
Wayne Martin
Wayne M Martin - Chicago, IL
Real Estate Broker - Retired

The buyer is responsible, but the selling agent should be following up. As for the lender, good luck they have their own timeline!

Jan 23, 2016 10:32 PM
Lise Howe
Keller Williams Capital Properties - Washington, DC
Assoc. Broker in DC, MD, VA and attorney in DC

it probably depends on the contract. Here it is the buyer but as a listing agent I wouldn't recommend leaving it all on the buyer. 

Jan 23, 2016 03:17 AM
Raymond E. Camp
Ontario, NY

The buyer's agent should get the contract and addenda to the lender. and make sure they perform.

Jan 23, 2016 03:08 AM
Chrissi Chapman Topoleski
Coldwell Banker Realty - Woodbridge, VA
Helping agents live an exceptional life!

After having a disastrous transaction because a buyer's agent wasn't ensuring the lender was performing this is a great question, so I ended up being the one to talk to their lender daily.

I always send it to the lender, and am in contact with them or ask to be cc'ed on all emails to ensure that my clients are doing what they should be. If they aren't, I step in with a friendly but firm reminder that they have a contract to adhere to. 

Jan 23, 2016 02:33 AM