Per the law (RESPA, Fair Lending, ECOA, etc., it is against the law for anyone other than the borrower to discuss lending terms with the lender. In fact, it is not legal for a Realtor, or even attorney to receive the borrower's disclosures.
If you are a real estate professional do not attempt to enter into loan terms or their negotiation on behalf of a borrower.
You will be breaking the law.
Harris Bank, NA