Christina Hayes, Credit Repair Expert (Everlasting Credit Repair)

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Annette Lawrence , Palm Harbor, FL 727-420-4041
ReMax Realtec Group - Palm Harbor, FL
Making FLORIDA Real Estate EZ

On first contact, on a scale of 1 - 10, I will inquire but their response does not change taking them to see houses that day. They must contact their bank.

However, on appointment #2, progress must have been made. On a scale of 1-10, appointent #2 will be an 8. They will be instructed to call one of the preferred lenders to get approval.  

Appontment 3 will not occur until I hear from a lender on my recommended list.

Jan 23, 2017 11:01 AM
Roy Kelley
Retired - Gaithersburg, MD

That is a topic of the first conversation.

Jan 23, 2017 09:42 AM
Julie Larson Realtor® Sarasota FL 941-284-9826
White Sands Realty Group FL | 941-284-9826 | Serving Sarasota, Manatee & Charlotte Counties - Sarasota, FL
When you're thinking of

I completely agree with and use the same approach that Annette Lawrence , Palm Harbor, FL 727-420-4041 uses and it seems to work well!  :)

Jan 23, 2017 11:17 AM
Anthony Acosta -
Harry Norman, REALTORS® - Atlanta, GA
Associate Broker

Very and I do ask for a copy if the buyer saids they are Pre-approved

Jan 23, 2017 10:16 AM
Will Hamm
Hamm Homes - Aurora, CO
"Where There's a Will, There's a Way!"

I always ask if they contacted a lender yet, who and phone number that I can call them.  If they have not I give them 3 lenders that I work with.


Jan 23, 2017 09:22 AM
Michael Setunsky
Woodbridge, VA
Your Commercial Real Estate Link to Northern VA

Christina Hayes Absolutely! If they haven't talked to a loan officer, I can recommend one to them.

Jan 23, 2017 09:22 AM
Wayne Martin
Wayne M Martin - Chicago, IL
Real Estate Broker - Retired

Speak about it before the first meeting  and ask to bring a copy to the first meeting. We discuss their comfort level and go from there!

Jan 23, 2017 09:23 AM
Jeff Pearl
RE/MAX Distinctive / LIC in VA - Lovettsville, VA
Full Service Full Time Realtor

We usually get to it in first or second meeting. I don't request anyone forward it to me before meeting with them. Some have talked with a loan officer, but many times they aren't 100% sure they want to use that particular lender. Some will even ask me what I think about the lender they are thinking of using. That is good sign when they initiate discussion about lenders.

Jan 23, 2017 09:13 AM
Richard Bazinet /MBA, CRS, ABR
West USA Realty - Scottsdale, AZ
Phoenix Scottsdale. Sellers, Buyers & Relocations

It's the very first thing I do when I meet with a 'prospect' client at my office. I want to know if they have any money, how much, how they are paying, and if they are pre-qualified financially so I can determine if they are pre-qualified to work with me.

If they are not financially pre-qualified, that's what we'll work on. And if they are - who the lender is OR documented source of cash.

Feb 22, 2017 05:43 AM
Debe Maxwell, CRS
Savvy + Company (704) 491-3310 - Charlotte, NC

Very adamant and do have them forward a copy to me - with our thinventory, it's a must - hot houses go FAST and they need to be fully prepared to bid right away.

Jan 27, 2017 04:48 PM
Joan Cox
House to Home, Inc. - Denver Real Estate - 720-231-6373 - Denver, CO
Denver Real Estate - Selling One Home at a Time

New clients, must have in my hot little hands, repeat clients that I KNOW can buy, will take out one day, then they need a pre-approval too.

Jan 25, 2017 02:06 PM
Sandy Padula & Norm Padula, JD, GRI
HomeSmart Realty West & Florida Realty Investments - , CA
Presence, Persistence & Perseverance

If they are a new client; yes.

Jan 25, 2017 01:34 PM
Jennifer Mackay
Counts Real Estate Group, Inc. - Panama City, FL
Your Bay County Florida Realtor 850.774.6582

Always - they are pretty much required before submitting an offer so best get it done up front.

Besides, you need to know what they are qualified for before showing them something they can't get financed for, don't you?

Jan 24, 2017 06:42 AM
Olga Simoncelli
Veritas Prime, LLC dba Veritas Prime Real Estate - New Fairfield, CT
CONSULTANT, Real Estate Services & Risk Management

Pre-quals don't mean anything - you could do one; Pre-approvals from bank are critical, if not at first meeting, soon after.

Jan 24, 2017 06:11 AM
Gabe Sanders
Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales - Stuart, FL
Stuart Florida Real Estate

I'm pretty adamant if they are making an offer.  Prior to that it's up to my judgment about the folks and their circumstances.

Jan 24, 2017 05:39 AM
Tony and Suzanne Marriott, Associate Brokers
Serving the Greater Phoenix and Scottsdale Metropolitan Area - Scottsdale, AZ
Haven Express @ Keller Williams Arizona Realty

In stone.  Pre-qual and Exclusive Buyer Broker Agreement. Period.

Jan 24, 2017 05:15 AM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

It dpends on the prospective buyer and if they were referred to me. I always ask them the question, but I certainly don't cut off communication if they have not yet been through the process.

Jan 24, 2017 04:16 AM
Melissa Jackson REALTOR
Trinity Premier Properties - Azle, TX
Helping You Make The Right Move

I agree with Annette Lawrence , Palm Harbor, FL 727-420-4041 It won't stop me from meeting the buyer and showing properties.  I do like to call and speak with the lender before 2nd showings. So far this works. 

Jan 23, 2017 08:23 PM
Nathan Gesner
American West Realty and Management - Cody, WY
Broker / Property Manager

If they want to see houses, I want to see evidence they can afford those houses.

Jan 23, 2017 07:58 PM
Bob Crane
Woodland Management Service / Woodland Real Estate, KW Diversified - Stevens Point, WI
Forestland Experts! 715-204-9671

A lot of time and heartache can be saved for all parties if everyone is prepared.  If they are not prepared then the first step may be in coaching them toward preparation.  Before looking at the first home.

Jan 23, 2017 07:53 PM
Dorie Dillard Austin TX
Coldwell Banker Realty ~ 512.750.6899 - Austin, TX
NW Austin ~ Canyon Creek and Spicewood/Balcones

First topic of conversation..always..every time.

Jan 23, 2017 07:29 PM
Ryan Huggins - Thousand Oaks, CA - Thousand Oaks, CA
Residential Real Estate and Investment Properties

Unless I'm personal friends with them, it is an absolute must before I even schedule an appointment.  I ask for a copy of it too, so I know just how good of a pre-qual it is (if no docs were reviewed it's basically worthless).

Jan 23, 2017 07:18 PM
Thomas J. Nelson, REALTOR ® e-Pro CRS RCS-D Vets
Big Block Realty 858.232.8722 - La Jolla, CA
CEO of Vision Drive Realty - Coastal San Diego

I'm 100% not showing any property including my listings to a new client or most of my repeat clients without a pre-approval. Prequals are meaningless in CA. But honestly I rarely deal with that, my clients are trained and they train their referrals to me, for me


  • a repeat client wants to see a property once in a blue moon, of course I will.
  1. A referred client wants to relocate to San Diego and doesn't know the property and is in the process of getting approved (verified) but first wants to see 5 great examples of what to expect in 5 chosen neighborhoods. Well, if I'm going to give them a quick tour of that part od San Diego, we might as well see a few properties. I did that today for a $800K buyer that was referred by a valued and trusted A+ referral agent friend of mine in Palos Verdes. I never question her referrals they are always top notch and typically $750-$1.2 Million dollar buyers. Your gut will tell you when to bend the rules.
Jan 23, 2017 07:16 PM
Debbie Laity
Cedaredge Land Company - Cedaredge, CO
Your Real Estate Resource for Delta County, CO

They don't have to be pre qualified before I will talk with them and show a few properties. After that first set of showings, they have to have made some progress towards getting pre qualified before I will go any further. 

Jan 23, 2017 07:00 PM
William Feela
Realtor, Whispering Pines Realty 651-674-5999 No.

I show one time and then the application needs to be started to go further.

Jan 23, 2017 06:37 PM
Michael Scruggs
UTR Texas-Realtors - Houston, TX

We talk about how important it is to be pre-approved or pre-qualifed at our first meeting.

Jan 23, 2017 06:28 PM
Harry F. D'Elia III
WEDO Real Estate and Beyond, LLC - Phoenix, AZ
Investor , Mentor, GRI, Radio, CIPS, REOs, ABR

I have the lender send them to me

Jan 23, 2017 04:47 PM
Scott Godzyk
Godzyk Real Estate Services - Manchester, NH
One of the Manchester NH's area Leading Agents

I just had this battle today. I always ask a buyer if they have been pre qualifed, and then by who. When i cant get a clear answer or one that sounds made up, i do ask to see it. 

Jan 23, 2017 04:46 PM
Gita Bantwal
RE/MAX Centre Realtors - Warwick, PA
REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel

Others have answered.

Jan 23, 2017 03:42 PM
Dick Greenberg
New Paradigm Partners LLC - Fort Collins, CO
Northern Colorado Residential Real Estate

We don't demand it the first time we meet or look at houses, but expect it shortly thereafter.

Jan 23, 2017 01:33 PM
Susan Haughton
Long and Foster REALTORS (703) 470-4545 - Alexandria, VA
Susan & Mindy Team...Honesty. Integrity. Results.

I handle it in person during the first meeting.  Usually, though, these days they volunteer they have been pre approved by so and so, however, if it turns out it's an online pre approval or something, that's a conversation I prefer to have in person.  

Jan 23, 2017 01:08 PM
Ron and Alexandra Seigel
Napa Consultants - Carpinteria, CA
Luxury Real Estate Branding, Marketing & Strategy

In the luxury and commercial market, one does not ask for a pre-approval letter, one usually can figure out who is who.  In commercial real estate for a lease a bank reference was given with the landlord calling the company's bank.  Some iconic companies like Disney did not need to have their bank reference.  In the luxury upper end, a private banker is given as a reference, and if you were to ask for a pre-approval letter, they would hang up on you and not speak to you ever again.  A

Jan 23, 2017 12:57 PM
John Meussner
Mortgages in AZ, CA, CO, DE, FL, GA, IN, MD, MN, MT, NC, NJ, NV, OK, OR, PA, SC, SD, TN, TX, UT, VA, WI - Fair Oaks, CA
#MortgageMadeEasy Fair Oaks, CA 484-680-4852

Everyone should be very adamant - I talk to borrowers almost every day that want to put offers in on homes they cant afford.  

Jan 23, 2017 12:22 PM
Lyn Sims
Schaumburg, IL
Real Estate Broker Retired

Yes I'm pretty adamant on that. They get one shot & then if they don't I tell them that sellers won't take them seriously - which they won't.

Jan 23, 2017 11:52 AM
Richard Weeks
Dallas, TX
REALTOR®, Broker

No pre approval, no buyers rep agreement we don't look at houses.

Jan 23, 2017 10:58 AM
Joe Pryor
The Virtual Real Estate Team - Oklahoma City, OK
REALTOR® - Oklahoma Investment Properties

Pretty much adamant.

Jan 23, 2017 10:53 AM
Shirley Coomer
Keller Williams Realty Sonoran Living - Phoenix, AZ
Realtor, Keller Williams Realty, Phoenix Az

I will ask if they have talked to a lender and if so please bring in the prequel to our Buyer consultation.  I don't show houses without one because how they (or I) know for sure what they qualify for in terms or sale price, down payment and payment find comfortable.

Jan 23, 2017 10:42 AM
Barbara Todaro
RE/MAX Executive Realty - Happily Retired - Franklin, MA
Previously Affiliated with The Todaro Team

when any buyer calls, we close for the appointment.... we may ask a few relevent questions, but the purpose of the call is to close to meet the buyers for a consultation.... there is no point in going through motions if there is a personality clash or you don't have good feelings about the buyer and/or the situation.... one step at a saves time...we ask for a copy of that preapproval to be given at the meeting...

Jan 23, 2017 10:09 AM
Jeanne Gregory
RE/MAX Southwest - Sugar Land, TX
The most important home I sell is YOURS!

Adamant.  Show it to me before we go. 

Jan 23, 2017 09:56 AM
Richie Alan Naggar
people first...then business Ran Right Realty - Riverside, CA
agent & author

Be alert & dilligent here for not all that glitters is gold

Jan 23, 2017 09:52 AM
Raymond E. Camp
Ontario, NY

Always ask if they have it but will show them the first one to get the foot in the door.

Jan 23, 2017 09:47 AM
Kathleen Daniels, Probate & Trust Specialist
KD Realty - 408.972.1822 - San Jose, CA
Probate Real Estate Services

100% adamant.  Yes, If I am showing a home I must have the pre-approval in my hand before investing my time.  

Jan 23, 2017 09:37 AM