I'm sure you can understand the value in using a local lender in the same town where you live. In fact, I've seen sellers agent's before reject offers outright for people who are not using a local lender who is familiar with the market you're buying in. I'm familiar with some of the regulations in Texas, as that's where our Home Office is, but things are different in many ways up here in New England. The truth is, that when you're submitting an offer, its very important that your pre-approval letter be specific to the property you're buying, either by way of showing the property address, or your offer price. You wouldn't want a seller to know that you're pre-approved for $400K if you're only offering them $200K, would you? Our customer service survey results are 4.9 out of 5 on average, and we have never had a problem with any pre-approval letters. I encourage you to read our testimonials before considering an out of state lender.