It happens from time to time when a home is listed by a relocation company that may have their own lender (Weichert Relocation comes to mind). They want the buyer to speak to their lender and see if they are qualified and make an offer to that buyer with better loan terms.
Overall, this does not happen very often. However, sellers might be asking this question more and more as the markets swing to favor sellers and multiple offers on homes come in. These sellers want to make 100% sure there buyers are able to obtain financing.
It would be extremely rare for a sellers current lender to pre-qualify a buyer looking at the sellers home UNLESS it was an FHA loan that is being assumed by the future buyer.
Bernstein Realty, Inc.
Search homes on the Houston MLS http://har.com/alanharper
Alan Harper, REALTORÂ®
World Wide Real Estate
Foreclosures are another matter. The lienholder/seller wants to be reassured that the buyers can qualify, so they often ask that they submit an application ... BofA comes to mind here. Buyers are under no obligation to use a particular lender ... but qualification using the bank's criteria is a prerequisite.
Roland J. Northland
Anna Maria Durr, NMLS 266699
2626 Richmond Ave., Houston, Texas 77098