I have seen a few annoyed "would be" cash buyers stating they are OFFENDED that all these real estate agents just want to see their proof of funds. OFFENDED? Really?!?!? As though a stranger's word is enough to put them in the car and show them homes? Sorry, but no.
As a listing agent I would be OFFENDED if the buyers agent DIDN'T have proof of funds before they showed my sellers home. What a colossal waste of everyone's time.
Think about what needs to happen in order for a buyer to see a home on the market including the time that it takes for the seller to prepare for the showing and arrange to be out of the house, kids, dogs or other pets in tow. All for not if the buyer is not pre-qualified to buy their home.
Ulimately, we as agents, need to protect ourselves. If a buyer has met with a lender, we know that the people are qualified to buy. This means that we have a valid client and that we are safe. It is no longer a stranger that walks into an open house off the street or an internet contact where we don't know their true intent.
People that have real intentions to buy have no problem providing a proof of their ability to do so. The ones that resist providing documentation of cash set off red flags. So please don't take offense if I ask you to show me the money. It is my job!