All other agents are correct, lender for loans, need confirm you have ability purchase that home.
620 credit score + , 3.5% down payment, debt ratio, employment history, 2 years financial statements
THAT IS NORM, however I do not have required info. make any further detailed information.
Your buyers agent should be able review all with you.
RULE of thumb: Never purchase a home direct from a bank, builder, for sale by owner, listing agent UNLESS you have your OWN agent who represents you.
National Featured Realtor and Consultant, Mortgage Loan Officer, Credit Repair Lecturer