A seller can request whatever they want.
You can dig your heels in if you want and possibly not have your offer considered.

They don’t care that you don’t see a point in qualifying with their lender because they do.
Your agent has no control over the seller wanting you to cross qualify. It’s not that unusual AND it’s not your agents fault.

Closing cost credits is simply a result of the rate. I recently closed a buyer with $12,000+ credit.
Do you understand where/how this credit comes from ? It’s a higher monthly payment.

No pre-qual/pre-approval letter is a guarantee of anything, no matter what it says.

Why do you think a lender is going to ‘harass’ you?
It’s a simple request.

I don’t understand what you are upset about.
You are using an agent that “infuriated you” 2 years ago and want to drop them because the seller wants you to qualify with their lender ?

If they have ‘introduced you’ to a property that you want to make an offer on and you make the offer through another agent, you could end up in a lawsuit because they want their commission.

If you don’t want to use her, just don’t have her show you any more houses.
Hopefully you didn’t sign an exclusive agreement.

I’m not defending her in any way.
I’m a Realtor and loan broker who doesn’t like how many things in the industry are done. I’m not looking to represent you but will provide an opinion if you want one. HLS