John Meussner, #MortgageMadeEasy Walnut Creek, CA 484-680-4852 (Mortgages in AZ, CA, CO, DE, FL, GA, MD, MT, NC, NJ, NV, OK, OR, PA, SC, TN, TX, UT, VA, WV )

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Rainmaker
1,716,018
Lyn Sims
RE/MAX Suburban - Schaumburg, IL
Schaumburg Real Estate

Nothing else. That's about all we can do with confidentiality laws now.

Apr 03, 2017 12:21 PM
Rainmaker
887,633
Candice A. Donofrio
Next Wave RE Investments LLC Bullhead City AZ Commercial RE Broker - Fort Mohave, AZ
928-201-4BHC (4242) call/text

A completed pre-approval form based on actual review documentation. LOL

Apr 03, 2017 11:44 AM
Rainmaker
2,634,031
Richie Alan Naggar
people first...then business Ran Right Realty - Riverside, CA
agent & author

If the buyer agent is not perky, confident and cooperative, I go into what I need to know along the lines of proof of funds and lender on-board.  I have called lenders and will call banks to make sure my client is protected

Apr 03, 2017 02:15 PM
Rainmaker
548,950
Lynnea Miller
Bend Premier Real Estate - Bend, OR
Premier Real Estate Service in Central Oregon

We need pre-approval or if financing from the sale of another home, proof that the home is in escrow - and we commuicate with the listing agent to verify where the deal is and assurance that it will close.

Apr 03, 2017 12:16 PM
Ambassador
4,312,753
Praful Thakkar
LAER Realty Partners - Andover, MA
Andover, MA: Andover Luxury Homes For Sale

John Meussner - just pre-approval letter along with the offer and mandatory agency disclosure.

Apr 03, 2017 11:11 PM
Rainmaker
580,681
Hella M. Rothwell, Broker/Realtor®
Carmel by the Sea, CA
Rothwell Realty Inc. CA#01968433 Carmel-by-the-Sea

There is no "one size fits all". In many cases, just the pre-approval letter if I know the agent and her track record. It's not up to me to dictate where they get the loan or what kind of a loan unless the closing is stretched out.

Apr 03, 2017 08:01 PM
Ambassador
3,986,660
Debbie Reynolds, C21 Platinum Properties
Platinum Properties- (931)771-9070 - Clarksville, TN
The Dedicated Clarksville TN Realtor-(931)320-6730

I don't generally ask for anything else. I sometimes will call and have a chat with the lender or send a text.

Apr 03, 2017 07:47 PM
Ambassador
4,200,509
Debe Maxwell, CRS
www.iCharlotteHomes.com | The Maxwell House Group | RE/MAX Executive | (704) 491-3310 - Charlotte, NC
The right Charlotte REALTOR!

I want to verify with the lender that the pre-approval AND the buyer are solid. There is a LOT riding on getting a home Closed and to have it fall through due to financing can often be avoided by a quick phone call to the lender prior to the seller accepting an Offer. In this day and time of multiple Offers on nearly every listing, sellers can be selective...and that lender call can make a difference!

Apr 03, 2017 06:02 PM
Rainmaker
393,924
Jill Murty, Realtor - Orange County, CA
Movoto - Laguna Niguel, CA

A competent lender.  That's what I want.  Unfortunately, as a listing agent, I can't dictate which lender a buyer chooses.  The most I can really do is get a cross qualification.  

Apr 03, 2017 05:06 PM
Rainmaker
1,456,727
Michael Setunsky
Woodbridge, VA
Your Commercial Real Estate Link to Northern VA

John Meussner Only a pre-approval letter.

Apr 03, 2017 03:13 PM
Rainmaker
5,571,310
Barbara Todaro
RE/MAX Executive Realty - Retired - Franklin, MA
Previously Affiliated with The Todaro Team

only the pre-approval letter.... 

Apr 03, 2017 02:06 PM
Rainmaker
1,027,385
Susan Haughton
Long and Foster REALTORS (703) 470-4545 - Alexandria, VA
Susan & Mindy Team...Honesty. Integrity. Results.

I like to know if the lender has verified assets, income, employment, etc. 

Apr 03, 2017 01:07 PM
Ambassador
4,557,465
Jeff Dowler, CRS
eXp Realty of California, Inc. - Carlsbad, CA
The Southern California Relocation Dude

POF for the down payment and closing costs

Apr 03, 2017 01:04 PM
Rainmaker
915,773
Jennifer Mackay
Counts Real Estate Group, Inc. - Panama City, FL
Your Bay County Florida Realtor 850.774.6582

That's all I ask for - I do notice more agents now asking "Married or single", "Why do they want to buy", "Can they afford the mortgage".

I guess they never learned the laws!

Apr 04, 2017 11:09 AM
Rainmaker
3,985,837
William Feela
WHISPERING PINES REALTY - North Branch, MN
Realtor, Whispering Pines Realty 651-674-5999 No.

Sometimes proof of funds

Apr 03, 2017 08:10 PM
Ambassador
5,357,189
Bob Crane
Woodland Management Service / Woodland Real Estate, EXP - Stevens Point, WI
Forestland Experts! 715-204-9671

In adition to knowing the qualifications of the approver, I like to see type of financing, employment records, income, and credit worthiness of those who are asking me to accept their offer.

Apr 03, 2017 07:58 PM
Rainmaker
4,433,583
Gita Bantwal
RE/MAX Centre Realtors - Warwick, PA
REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel

I talk to the lender

Apr 03, 2017 07:17 PM
Ambassador
3,723,311
Paul S. Henderson, REALTOR®, CRS
Fathom Realty Washington LLC - Tacoma, WA
South Puget Sound Washington Agent/Broker!

I provide several documents on the MLS that I like returned with the P&S....

Apr 03, 2017 07:16 PM
Rainmaker
1,213,561
Thomas J. Nelson, REALTOR ® e-Pro CRS RCS-D Vets
Big Block Realty 858.232.8722 - La Jolla, CA
& Host of Postcards From Success Podcast

POF

That I feel good about their lender & Realtor.

 

Apr 03, 2017 06:36 PM
Rainmaker
3,321,246
Scott Godzyk
Godzyk Real Estate Services - Manchester, NH
One of the Manchester NH's area Leading Agents

That the LO's name and number is on the pre approval, a copy of deposit with an offer and from some an actual check.

Apr 03, 2017 05:08 PM
Rainmaker
639,862
Tony Lewis
RE/MAX of Valencia (Hall of Fame) 30 year Valencia Resident - Valencia, CA
Summit Real Estate Santa Clarita & Aliso Viejo

Proof of Funds of course, loan approval letter, preferably DU Direct Underwriting Approval subject to Appraisal, Title etc.  A RE/MAX Company in So. Ca. was fined millions of dollars for loan practices. Our company no longer wants us to ask for our choice of lenders to review credit worthiness of buyers.  This means limit contingency removal to 17 days and pray.

Apr 03, 2017 04:06 PM
Ambassador
3,258,460
Anna Banana Kruchten CRS, CRB, Phoenix Broker
HomeSmart Real Estate BR030809000 - Phoenix, AZ
602-380-4886

John we do the best we can to really vet the buyer. If I know the agent and it's a top agent I generally know they've done their job but we still vet out the appropiate infor we need to protect our sellers.

Apr 03, 2017 03:29 PM
Rainmaker
1,149,009
Sam Shueh
(408) 425-1601 - San Jose, CA
mba, cdpe, reopro, pe

local loan broker or name bank

Internet out of the area pre-approvals offers are not considered ......

Apr 03, 2017 02:12 PM
Rainer
117,085
Christine Kankowski North SD and Temecula
House Match Inc - Poway, CA
Excellent Sales and Property Management

Proof of funds for the deposit or down payment. 

Apr 03, 2017 12:04 PM
Rainmaker
3,995,106
Richard Weeks
Dallas, TX
REALTOR®, Broker

I only request items the client ask for

Apr 03, 2017 11:35 AM
Rainmaker
1,707,423
Joe Pryor
The Virtual Real Estate Team - Oklahoma City, OK
REALTOR® - Oklahoma Investment Properties

That's enough for me.

May 03, 2017 12:22 PM
Rainmaker
876,883
Troy Erickson AZ Realtor (602) 295-6807
Good Company Real Estate - Chandler, AZ
Your Chandler, Ahwatukee, and East Valley Realtor

John - I do not feel it is my place to ask the buyer, or buyer's agent for anything else as the listing agent. I trust that the buyers agent is professional and doing their due diligence on their end.

It frustrates me when I am working with a buyer and the listing agent is asking for all sorts of documentation from the buyer, like employment info, income verification, proof of funds, etc., and sometimes even before an offer has been accepted. I believe that presenting any financial information to the seller or listing agent could put my buyer in a compromising situation when it comes to contract negotiations, etc. The buyer is not working with the listing agent, and neither is the lender, so why should the listing agent ask for more than what is required per the purchase contract. I don't even believe a listing agent should be talking with a buyer's lender due to confidentiality, and again, could be an issue when it comes to negotiations.

Here is just one example - If listing agent discovers buyer has plenty of money by talking with buyer's lender, and buyer is asking for repairs on the home inspection. Listing agent could easily play hardball and just tell buyer if they want the home they will have to pay for all home inspection issues, as seller will not pay for any repairs.

Apr 04, 2017 11:13 PM
Rainmaker
1,380,283
Ryan Huggins - Thousand Oaks, CA
https://HugginsHomes.com - Thousand Oaks, CA
Residential Real Estate and Investment Properties

Proof of funds.

Apr 04, 2017 01:52 PM
Rainmaker
1,635,442
Sandy Padula and Norm Padula, JD, GRI
HomeSmart Realty West & Lend Smart Mortgage, Llc. - Carlsbad, CA
Presence, Persistence & Perseverance

In many cases, we do require cross-qualifications with our trusted lenders.

Apr 04, 2017 01:33 PM
Rainmaker
3,967,726
Will Hamm
Hamm Homes - Aurora, CO
"Where There's a Will, There's a Way!"

The pre-approval letter plus a phone number of the lender to call him and ask questions,'

Apr 04, 2017 10:12 AM
Ambassador
1,616,354
Harry F. D'Elia III
RentVest - Phoenix, AZ
Investor , Mentor, GRI, Radio, CIPS, REOs, ABR

proof of funds

Apr 04, 2017 09:00 AM
Ambassador
3,036,897
Kathleen Daniels, Probate & Trust Specialist
KD Realty - 408.972.1822 - San Jose, CA
Probate Real Estate

Approval letter and proof of funds which are required to get an offer accepted in my market. Whatever else a lender needs to create that approval letter is on the lender. 

Apr 04, 2017 08:37 AM
Rainmaker
3,069,934
Tony and Suzanne Marriott, Associate Brokers
Serving the Greater Phoenix and Scottsdale Metropolitan Area - Scottsdale, AZ
Haven Express @ Keller Williams Arizona Realty

Copy of EM check and/or Proof of Funds if offered down payment is significant

Apr 04, 2017 06:43 AM
Rainmaker
4,156,948
Wayne Martin
Wayne M Martin - Chicago, IL
Real Estate Broker - Retired

I am with Lyn Sims on this! There is only so much you can do or your reputation will suffer and so will showings on your listings!

Apr 04, 2017 06:30 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

That's about it.

Apr 04, 2017 06:00 AM
Rainmaker
598,659
Nathan Gesner
American West Realty and Management - Cody, WY
Broker / Property Manager

Just a pre-approval letter and a written contract to purchase.

Apr 04, 2017 05:38 AM
Rainmaker
6,540,549
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

Permission to contact the mortgage loan officer.

Apr 04, 2017 05:26 AM
Rainmaker
4,053,919
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

Nothing... what's the basis on which we can stick our noses further into a buyer's personal/financial situation? I pay attention to the quality of the pre-approval letter and who it comes from.

Apr 04, 2017 03:51 AM
Rainmaker
4,059,091
Michael Jacobs
Pasadena, CA
Los Angeles Pasadena 818.516.4393

Proof of funds along with a conversation with the lender.  If a lender reaches out to me first that can be a positive indication as is the lender who answers his/her phone and/or responds quickly and competently.   Past performance of the lender, if available/applicable,  is an important factor too. 

Apr 04, 2017 01:00 AM