If you've called them twice and it's been over two weeks, Consider a new Realtor. Hope this helps.
Contact Todd Sparks with Coldwell Banker Mortgage, the lowest credit score they can work with is 600 but most lenders require 620 or greater. His number is [contact info removed by moderator]
First, talk with a loan officer, within minutes they can pre-qualify you and give you a good faith estimate for the amount of a loan you should stay under, this will also include how much money you need to bring to closing and how much a seller can contribute to paying some or all of your closing costs.
Make it easy, contact a Realtor and ask.
You need to know the area well or speak with a Realtor who knows the area well and what homes are selling for there and in what market time. Then make your offer based on being educated in what homes are selling for.
Realtors have access to a lot more information than the typical buyer seller, and with the understanding of contracts, inspections, working relationships with lenders, Realtors will help the transaction be as smooth as possible.
I recommend contacting a Realtor and have that Realtor help you with finding a qualified and competent lender. That's the first step.
Best person to contact for that information is going to be your lender.
Yes you can, I too as a Tulsa agent can do the same and the difference is my daily emails to you are in real time. If you're looking for that special home be notified the day it comes on the market, that's what I offer my buyers and it works out great! Call me, 918-261-7237
Yes it is reasonable. They simply have to contact a loan officer and can usually have a letter within 15 min. All you're really looking for is that they've taken the first step.