When I have listings, I don't require buyer's to pre-qual with a specific LO or bank but I do call their mortgage professional to discuss their ability to qualify for a loan BEFORE I present the offer to my clients. I want to be able to assure them that the buyer is qualified and will be able to close the deal. Nothing worse than having to go back to your seller and tell them to STOP packing because the buyer couldn't get funding.
Also, whether YOU think you need a pre-qual from another lender is irrelevant. Sellers have a right to require it, even if you don't like it.
Best of luck to you!
You can offer to have your existing credit report forwarded to the "seller banks loan originator" for review, instead have another credit pull on your report. I have done this many times for my clients. Have your lender also send a copy of the "DU Approve Eligible" findings from their automated underwriting engine. Many times the seller-bank's LO does not want to take the time to go thru the entire pre-qual if they can see that your lender has done their job on their pre-qual.
Hope that helps.
All the best,
Roswell Moore, CMPS
Certified Mortgage Planner
We are a Direct Lender, Mortgage Bank where we originate, process, underwrite, fund, AND SERVICE our loans, in-house, with FHA (starting at a 580 score AND still only 3.5% down), FHA Streamline loans (no minimum credit score, no appraisal required) Go Green rehab loans, HomePath, Investor Friendly (10 financed properties), VA, USDA, Jumbo, Conventional, plus, we allow Escrow HoldBacks!