Tag: credit-score

The Mortgage Phone Call That Can Win Your Home Offer

When you’re buying a home in a competitive market, every advantage matters. Many buyers focus on offering more money, waiving contingencies, or writing a personal letter. While those strategies can help in certain situations, there’s one simple step that often gets overlooked—and it can make a significant difference.

A phone call from your mortgage lender to the listing agent.

🎥 Watch the video here: https://youtube.com/shorts/VRMa-ABq_1M?si=WM6fjeMra_WBbAyf

Why This Phone Call Matters

When multiple offers are on the table, sellers want confidence that the deal will actually close. Price is important, but certainty is often just as valuable.

That’s where your lender comes in.

A quick conversation between your mortgage professional and the listing agent allows the seller’s side to hear directly that:

  • You’ve already been fully pre-approved.
  • Your income, assets, and credit have been reviewed.
  • Your financing is solid.
  • You’re working with an experienced lender who will communicate throughout the transaction.

That reassurance can help separate your offer from others that simply include a generic pre-approval letter.

Sellers Want Confidence

From the seller’s perspective, accepting an offer isn’t just about choosing the highest number. They’re choosing the buyer they believe is most likely to reach the closing table without delays or surprises.

A proactive lender demonstrates professionalism and helps build trust before the contract is even accepted.

This small step can help answer questions before they become concerns, giving the listing agent confidence when presenting your offer to the seller.

A Strong Team Gives You an Advantage

Buying a home isn’t a solo effort. Your real estate agent and mortgage lender should work together as one team to help position your offer as strongly as possible.

An experienced mortgage professional doesn’t simply process paperwork—they advocate for you throughout the transaction.

That’s why communication matters.

Ready to Put Your Best Offer Forward?

Whether you’re buying your first home, moving up, or relocating, having the right mortgage team can make all the difference.

If you’re thinking about buying a home, let’s make sure you’re prepared before you find the perfect property.

Work With Chris Shumate

With more than 25 years of mortgage experience, Chris Shumate has helped over 3,500 families achieve homeownership and has been recognized among the Top 1% of Mortgage Originators in America for six consecutive years. Chris and his team are committed to providing clear communication, personalized loan solutions, and a smooth closing experience from start to finish.

🏠 Contact Chris Shumate at Fairway Home Mortgage

📞 (404) 791-3155
📧 chriss@fairwaymc.com
🌐 http://chrisshumatefairway.com/

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Frequently Asked Questions

Does a lender really call the listing agent?

Yes. Experienced mortgage lenders often contact the listing agent to introduce themselves, confirm the buyer’s qualifications, and answer financing questions. This additional communication can help strengthen your offer.

Is a pre-approval enough?

A pre-approval is essential, but having a lender who actively communicates with all parties involved can provide an extra level of confidence that sellers appreciate.

When should I get pre-approved?

Before you begin shopping for homes. Being pre-approved allows you to move quickly when you find the right property and makes your offer more competitive.

Final Thoughts

Winning a home isn’t always about making the highest offer. Sometimes it’s about giving the seller the confidence that your financing is solid and your transaction will close on time.

A simple phone call from the right mortgage lender could be the difference between getting the home—or watching someone else move into it.