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Surely, when a loan officer preapproved a client we are sure that they have gotten permission from the client to release information to the Realtor® regarding their credit worthiness. I mean, we are supposed to be working together while thinking in the best interests of the client and everyone involved, right?
In this day and age of the real estate market, we NEED to make sure that the loan officer they have chosen is telling us, the Realtors®, that our client is not just borderline by the hair of their chinny chin chin.
We NEED to know that we are not just going to spin wheels while going through the time consuming effort to show a client 20 properties before they find that special dream home....Only to find out they are really NOT qualified!
AllRealtors® hope that the loan officer and lender the client chooses will be on top of it. I wish I could always give the buyer names of a few great loan officers to work with that I have worked with in the past (and know to be forthright and honest) but it doesn't always work out that way. And in the end it's the client's choice anyway.
There will be those Loan Officers who believe that they can't release anything except that they are credit worthy.What exactly does credit worthy mean? Does it mean they are just on the brink of falling in between the cracks should lending criteria change? Does it mean they are REALLY good to go no matter if the criteria changes or not? Are we just supposed to believe every Tom, Dick and Harry without an explanation?
Get your client's written authorization for release of info to the Realtor®.......
..... and to the Loan Officer as well.
Celeste"Sally" Cheeseman is a Realtor-Associate® and Certified Residential Specialist (CRS) with Century 21 Liberty Homes in Mililani, Hawaii. With a sharp understanding that a listening ear is the key to a client's needs she serves the island of Oahu (Honolulu County) and all Hawaii Military Relocations, Hawaii Retirees, Hawaii Job Transfers and Hawaii Residents, Home Buyers and Sellers.
Reading my blog will give you the human side of this Real Estate Industry Professional as well as allowing you to walk beside me through my writing about Hawaii Real Estate & our Local Area. As a resident of Honolulu County Hawaii for 42 years you will get a tour of a lifetime. Specializing in Hawaii Relocation Military VA Home Buyers you can be rest assured you will be in good hands. I LISTEN to YOUR needs and give you sound advice. Hawaii Relocations, Hawaii Military Relocations, Mililani Hawaii Real Estate, Living in Hawaii, Army Navy Air Force Marines in Hawaii. Read more at www.cheesemanhomes.com
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.