For real estate agents
A lender who answers before the offer is written.
Your reputation rides on whether the financing holds. I would rather tell you early that a file has a problem than explain it to your client three days before closing.
How I work with agents
Pre offer planning
Before the offer goes out, we talk about what the buyer can support, what the property requires, and which dates are realistic.
Scenario review
Send me the situation, including the messy ones. I will tell you what is workable and what still needs answers.
Honest preapprovals
A preapproval should mean something. I would rather issue a narrower letter that holds than a broad one that falls apart.
Proactive status updates
You hear where the file stands without chasing me, and you hear about problems when there is still time to fix them.
Contract deadline awareness
Financing and appraisal deadlines get treated as real dates, not suggestions.
Availability when it counts
Offers get written at inconvenient times. If you need an answer to get one out, reach me.
Program availability and terms depend on the borrower's qualifications, the property, documentation, underwriting, and current program guidelines. Nothing here is an offer, an approval, or a commitment to lend.
Have a scenario you want reviewed?
Send the details and I will give you a straight read. No obligation for you or your client, and no promise of approval before a file is reviewed.