Vern Eaton, Realtor 651-674-7449

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Rainmaker
916,173
Jennifer Mackay
Counts Real Estate Group, Inc. - Panama City, FL
Your Bay County Florida Realtor 850.774.6582

I always ask if they attempted but seldom if ever suggest

May 21, 2016 09:46 PM
Rainmaker
2,634,787
Richie Alan Naggar
people first...then business Ran Right Realty - Riverside, CA
agent & author

I just need them approved. Their choice or pick stands

May 20, 2016 11:25 PM
Rainmaker
4,063,132
Michael Jacobs
Pasadena, CA
Los Angeles Pasadena 818.516.4393

I'm always happy when I see one of my qualified buyers matched with a quality lender.   

May 25, 2016 10:22 PM
Rainmaker
4,889,616
Joan Cox
House to Home, Inc. - Denver Real Estate - 720-231-6373 - Denver, CO
Denver Real Estate - Selling One Home at a Time

I have, especially when we write tons of offers, and the CV financing is continually winning the bid.

May 24, 2016 02:05 AM
Rainer
180,215
Harjeet Bhatti
FITH THIRD BANK - Chicago, IL
Home Mortgage Consultant 25 States

 As a HMC I look at loan scenario. Some of the loan scenario fit perfect in FHA rather than conventional.

May 22, 2016 01:44 AM
Rainmaker
6,548,379
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

I refer them to a mortgage lender to determine what is best for them. 

May 21, 2016 10:04 PM
Rainmaker
2,707,268
Lisa Von Domek
Lisa Von Domek Team - Dallas, TX
....Experience Isn't Expensive.... It's Priceless!

The lenders that I work with are excellent at putting the buyer in the best loan for their needs.

May 21, 2016 02:05 PM
Ambassador
1,771,405
Noah Seidenberg
Coldwell Banker - Evanston, IL
Chicagoland and Suburbs (800) 858-7917

Yes why not get them the best deal possible.

May 21, 2016 01:46 PM
Ambassador
3,722,438
Patricia Kennedy
RLAH Real Estate - Washington, DC
Home in the Capital

I just make sure they get pre-approved for the best loan that works for them.

May 21, 2016 01:43 PM
Rainmaker
1,683,350
Larry Johnston
Broker, Friends & Neighbors Real Estate and Elkhart County Subdivisions, LLC - Elkhart, IN
Broker,Friends & Neighbors Real Estate, Elkhart,IN

No, I just encourage them to get pre-qualified and discuss the the mortgage with the professional.

May 21, 2016 01:05 PM
Ambassador
2,564,431
Fred Griffin Florida Real Estate
Fred Griffin Real Estate - Tallahassee, FL
Licensed Florida Real Estate Broker

The Lenders I use determine which loan product is best for the Buyer/Borrower.

May 21, 2016 12:46 PM
Rainmaker
1,635,942
Sandy Padula and Norm Padula, JD, GRI
HomeSmart Realty West & Lend Smart Mortgage, Llc. - Carlsbad, CA
Presence, Persistence & Perseverance

That depends on how much downpayment money they have

May 21, 2016 09:43 AM
Rainmaker
5,571,343
Barbara Todaro
RE/MAX Executive Realty - Retired - Franklin, MA
Previously Affiliated with The Todaro Team

I always spoke to the lender to know what our options were....and we would then decide what route to go....

May 21, 2016 07:05 AM
Ambassador
3,037,949
Kathleen Daniels, Probate & Trust Specialist
KD Realty - 408.972.1822 - San Jose, CA
Probate Real Estate

I encourge my buyers to work with my lending partner to determine what they qualify for and which loan program is the best for them. 

May 21, 2016 06:14 AM
Rainmaker
1,716,804
Lyn Sims
RE/MAX Suburban - Schaumburg, IL
Schaumburg Real Estate

I'm not sure I've ever heard that CONV qualifies easier. FHA & VA have higher back end ratios.

If your LO doesn't have a brick for a head, he should have ran them 'all' ways.

May 21, 2016 06:05 AM
Rainmaker
4,799,481
Gabe Sanders
Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales - Stuart, FL
Stuart Florida Real Estate

Sometimes.  I encourage them to have this discussion with their lender.

May 21, 2016 05:39 AM
Ambassador
924,993
Mimi Foster
Falcon Property Solutions - Colorado Springs, CO
Voted Colorado Springs Best Realtor

I don't sell to many hoes, but you're right about costs, and with VA and FHA appraisals the way they are lately, it's much easier to get a conventional appraisal to come in at value.

May 21, 2016 04:38 AM
Rainer
318,713
Melissa Jackson
Century 21 Alliance Properties - Azle, TX
Helping You Make The Right Move

I make sure my buyer knows they have choices.  My preferred lender will discuss their options.  

May 21, 2016 03:58 AM
Rainmaker
1,381,073
Ryan Huggins - Thousand Oaks, CA
https://HugginsHomes.com - Thousand Oaks, CA
Residential Real Estate and Investment Properties

My lenders start out with conventional and go from there.

May 21, 2016 03:04 AM
Ambassador
3,986,660
Debbie Reynolds, C21 Platinum Properties
Platinum Properties- (931)771-9070 - Clarksville, TN
The Dedicated Clarksville TN Realtor-(931)320-6730

The lenders I use are very thorough and I don't try to do their job. They will find the best program for the buyer. 

May 21, 2016 02:09 AM
Rainmaker
573,581
Jeffrey Jones
AZ Home Seekers - San Tan Valley, AZ
AZ Home Seekers, azhomeseekers.com

I expect my lender to put them in the best product available.

May 21, 2016 01:55 AM
Rainmaker
3,973,735
Will Hamm
Hamm Homes - Aurora, CO
"Where There's a Will, There's a Way!"

Always do.

May 21, 2016 01:19 AM
Rainmaker
1,157,485
FN LN
Toronto, ON

We don't have FHA and VA in our great land.

May 21, 2016 12:50 AM
Ambassador
5,361,540
Bob Crane
Woodland Management Service / Woodland Real Estate, EXP - Stevens Point, WI
Forestland Experts! 715-204-9671

I always prefer to keep away from any funds that involve the government in any way, most of my loans are all "in house" with a local bank, much less restrictions and speedy too.

May 21, 2016 12:17 AM
Rainmaker
1,149,409
Sam Shueh
(408) 425-1601 - San Jose, CA
mba, cdpe, reopro, pe

I spent no time with people wanting <20% down.  Cash is popular again thanks to Trid.

Contingiency limited to loan approval. The rest are released at the time of making offer.

May 21, 2016 12:14 AM
Ambassador
4,559,069
Jeff Dowler, CRS
eXp Realty of California, Inc. - Carlsbad, CA
The Southern California Relocation Dude

IF they are working my one of my preferred lenders I know they will learn about all the available options. It's their choice

May 21, 2016 12:01 AM
Rainmaker
735,775
Carla Freund
Keller Williams Preferred Realty - Raleigh, NC
Carolina Life RealEstate & Relocation 919-602-8489

If our clients call the lenders on our preferred list, I know the lender will look at all options and recommend the best program for the client. If need be, I will make suggestions as I worked in mortgage banking for 9 years prior to Real Estate. However, I trust the lenders we recommend and know they will do what is best for the client. 

May 20, 2016 11:59 PM
Rainmaker
4,162,901
Wayne Martin
Wayne M Martin - Chicago, IL
Real Estate Broker - Retired

Suggest a loan officer and let them take the lead on available options!

May 20, 2016 11:35 PM
Rainmaker
443,970
Dianne Goode
Raleigh Cary Realty - Raleigh, NC
Realtor/Broker

A good lender will always check out the options that the buyer can qualify for, and present them to the buyer.  Sometimes their priority is a low payment, but sometimes it's minimum cash down.

May 20, 2016 11:20 PM
Rainmaker
2,020,350
Michael J. Perry
KW Elite - Lancaster, PA
Lancaster, PA Relo Specialist

Wrong  perspective !

 

I'm more concerned that they get the MOST Advantageous Monthly Payment (zero or lowest possible PMI/MIP )

May 20, 2016 10:57 PM