There are a number of issues here. First of all if you are interested in purchasing the property that this realtor showed you then you need to go through that realtor. Going to another realtor for the same property creates many issues. However, if you are approved you are getting approved for an amount. Not necessarily a house. That approval and finance company should and will follow you to anther RE company, house, county, etc. Before you commit to anyone check for interest rates, points, terms, etc. Shop for the best program before you give out your information. Once you have found the program that you want, deal with that finance company/bank.
Hope this helps!
If your realtor has a New Jersey Real Estate License, he or she should be able to work in other counties. I would discuss your questions with the realtor and with the mortgage person you are working with.
You should also get a few other mortgage companies to give you "good faith estimates". That way you will be sure that you are getting the best mortgage deal possible.
Mortgage bankers can access many different banks and lending institutions. The rates and programs of one bank do not limit them.
If a programs changes, rates become uncompetitive, or a company goes out of business mortgage bankers can re-lock you at another lending institution with no additional fees or reprocessing .
Senior Vice President
Select Mortgage Corporation
If you have great credit and a down payment you should qualify for a good rate as long as your loan amount is less than 417k on a single family house. If your loan amount is more than 417k I would check with more lenders as JUMBO rates are drasticaly different between banks currently.
Adam M. Dahill
Approved Funding Corp