sdr,,
Why do people lie ?
Nothing to gain from it.

I respect you and know that you know your stuff.

It’s difficult to separate sarcasm, humor, etc on a blog….I agree with you.

In reality, a letter from direct lender is no better than one from me. Until the loan is underwritten and approved, it’s only an application.

One thing the direct lender might have over me is that they might get away with doing something illegal and getting away with it.

Confidentiality is guaranteed, don’t worry.

In my opinion, a REALTOR shoudn’t be involved in a buyer’s finances or ever see their bank statements or personal information.
They only need to know that the buyer is approved for their offer, without knowing the upper limits of what they qualify for.

That is confidential between me and my client.
People don’t get this when they shop by rate alone.

You know how to reach me if you want to check with me. I’d be honored to have the opportunity. HLS