RING RINGGGGGG  there goes that dang phone again, oh hi Trunda Rogers ,  you need a Good Faith for your client?  No problem, have it to you in 30 minutes.  Sure no trouble, as I take down the credit scores and all the information on the home.  Not a problem at all. 

Now I know that a lot of my fellow mortgage professionals, won't even take this call , nor will they even bother with out actually interviewing the client.  But I will.  Why?  How about good old customer service?   As long as the Realtor and the client both under stand and I add this to the cover letter when I send it over to the Realtor ..... 

This GFE is provided for informational purposes only and is structured base on information provide to me by Mr/Mrs Realtor.  This is for information only.  Until your income and credit scores are verified, your rate and/or loan program is subject to change.  Credit Scores do vary and your finally rate will be determine by your actually credit score when verified by the lender and other program guidelines.

Bottom line is that the Realtor is looking for service.  I will provide it and we will have a nice working relationship because the Realtor will understand and so will their clients.  Sorry, but I don't agree with some that say "well it cost more to process or underwrite an FHA loan with a 580 credit score than it does a conventional loan with a 680.  No it doesn't.  And just because borrower xyz has had 3 jobs in the last 2 years where borrower ABC only had 1 doesn't increase the cost of my processors time.  We still have to make the phone calls 3 instead of 1 and copy the W2's and get the paystubs.

Be honest, the only real difference is cause by the credit score being 40 points off.  You as a Realtor and I as a mortgage professional should know if we are heading down the FHA path or conventional or maybe even USDA.  If we are on the same page, then I can give you something upfront before I meet with your client.......  After all I bet you are using this as a way to "qualify" them and show them what the cost may look like and how much money they may need to bring to the table.

After all an informed buyer is a happy buyer and that makes for a happy Realtor