We then spent years educating buyers that they needed to be prequalified, then pre-approved before we would show them homes. In recent years, the power of the referral has shifted to lenders, many of them with no stake in having a continuing relationship with the Realtor (other than to charge Realtors fees for leads) or even the borrower.
So trying to shop for a house without first speaking to a lender? I think that might be like putting the horse (Realtor) before the cart!!
wedding -- when your single.
Writing up an offer without first speaking to a lender is like setting the date, hiring the caterer, paying for the reception hall, and buying the dress -- when you're single.