Are you qualified to put in an offer on Rhode Island real estate? This is what a real estate agent in Rhode Island will want to know when you call about a property you see on Zillow, Trulia, Home Snap or Realtor.com.
They will tell you if you have cash seasoned in a bank account in your name you most likely are. And if you met with a loan officer to see what you could afford in person and allowed him or her to review at least 2 years of your tax returns, at least 4 recent paystubs, at least 2 years of w-2’s, and 3 months bank statements and they gave you a letter prequalifying you to borrow a certain amount to buy a home you most likely are as well.
It is not the real estate agent's decision. Real estate brokerages protect their sellers against going under the purchase and sales agreement with a buyer who is not qualified. If neither has been done your offer will not be strong. Reassess your motivation to make a move.