I always ask if they attempted but seldom if ever suggest

I just need them approved. Their choice or pick stands

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

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

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

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

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

Yes why not get them the best deal possible.

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

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

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

That depends on how much downpayment money they have

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

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. 

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.

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.

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

My lenders start out with conventional and go from there.

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. 

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

Always do.

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

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.

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.

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

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. 

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

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.

Wrong  perspective !

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