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3 Bumps

First time buying a house

ok, i finally got the info on the house we both really liked. now the problem is i really want to see the inside of the place. but because it took the guy almost four weeks to give me the info i'm not calling him to show it. i had a person from remax show me a different house before i called the other guy, and all she was worried about was if we had a lender and then gave me three cards that she said i had to go through. well my guy told me not to call her either. we have a personal lender and thats who we're going through. so heres the question:
how do i go about finding someone to show us the house without them trying to force a different lender on us?

 
noel1978

Asked by noel1978 at 4:03 AM on Jan. 29, 2012 in Home & Garden

Level 24 (20,263 Credits)
This question is closed.
Answers (10)
  • We looked at dozens of houses before buying, and never had to show any proof of ability to purchase.
    rkoloms

    Answer by rkoloms at 7:22 AM on Jan. 29, 2012

  • Your lender should give you a letter if you have been pre approved for a loan. Most Realtors don't show houses unless you are pre approved.


    You get the letter then you just show it, they will stop asking you.

    louise2

    Answer by louise2 at 5:59 AM on Jan. 29, 2012

  • You need to get a letter of pre-approval from your lender to show that you are financially capable of buying the house. Then people will show it to you. They aren't going to spend their time taking you to a home you can't afford. You can do that on Sundays during open houses. Anyone can walk in, even nosey neighbors. But a serious buyer needs the letter first.

    If you go into zillow.com and type in the address it will give you information on the house. Zillow gets most of the multiple listings from around the country and updates their website often. Check there first to see if anything good is being shown. It could be under contract for all you know.
    robinkane

    Answer by robinkane at 7:57 AM on Jan. 29, 2012

  • There is no realtor in this area that would show you a house without a pre-approval letter. It's standard operating procedure and unless you are dealing with cash only you would not be exempt from this requirement.
    Good luck in your house search.
    meooma

    Answer by meooma at 8:42 AM on Jan. 29, 2012

  • wow, I've never heard of needing a letter of loan approval from a bank just to view a home. I live in Texas and anyone with a real estate license will show you any home on market. do you have a relative or friend in the real estate market? Maybe you can bypass all this with them showing you homes.
    lillie70

    Answer by lillie70 at 10:39 AM on Jan. 29, 2012

  • They don't care who the lender is- just that you have one... why not jsut get a letter so you have it and then they won't try to "push another lender" on you
    I'm sure with how things are now- they don't want to feel like they are wasting their time showing houses to people who can't acatually get a loan for it
    charlotsomtimes

    Answer by charlotsomtimes at 10:26 AM on Jan. 29, 2012

  • You wouldn't need to show you have a lender or could afford a home at a open house. Anyone can just walk into those. If you wanted a private showing then you would just need a letter from your lender showing you are pre-approved for x amount. etc.

    Besides a lender do you have a Realtor you are working with? Lender and Realtor are two different people. Lender is who you get the money from (bank) and Realtor is who shows you the homes that fit within your budget. (what the lender is willing to give you).

    If you had to wait for 4 weeks on your Realtor to get you the info on a house then I would get a new Realtor to work with. It should not take them 4 weeks to get the info to you.
    SAHMinIL2

    Answer by SAHMinIL2 at 10:30 AM on Jan. 29, 2012

  • The guy who took 4 weeks to get you the information - Is he a realator? If he is he has dibs on that house as far as you are concerned. If he is being a dick and he is only an agent then call the owner of his branch and see what the problem is. If the problem is that nobody believes that you have the money and they are giving you the run around because they don't want you wasting their time you have to ask yourself why that is. Are you showing up all "rag -a- muffin" ? Does it appear that the reason you can't prove income is because it might be drug money? No serious real estate agent is going to pass up a chance to make money. So why is it they aren't taking you seriously? You might want to ask the family member with the money to make a few phone calls for you. Perhaps your phone voice just isn't business like enough to get the job done.
    Anonymous

    Answer by Anonymous at 2:25 PM on Jan. 30, 2012

  • good credit, good job and luck
    GlitteribonMom

    Answer by GlitteribonMom at 3:30 PM on Feb. 1, 2012

  • we're going to be paying with cash and our lender isn't through a bank or anyother company. he's family
    noel1978

    Comment by noel1978 (original poster) at 11:38 AM on Jan. 29, 2012