She sounds confused. Are you sure they are not asking her to sign a disclosure form stating that she understands that she is not represented? The agent, if it is the sellers agent does not have to, nor should she tell anyone what the mortgage balance is. The whole scene sounds like she doesn't understand what is going on. If she 'agent's up' (tells the other agent that she wants her personal buyers agent to prepare the offer) then it's pretty clear. One problem that could arise is that your mil drove around and initiated some sort of pre-negotiating without her agent. Have her call her agent asap and let her handle it from there. If the listing agent is working soley for the seller, they are not going to divulge anything that they are not required to devulge that may hurt their client, especially if it helps your mil. Her agent will understand better what is going on and what disclosures need to be made. Heaven forbid your mil makes an offer and unintentionally does not put in her current home sale contingency, etc. Time to call a time out and make sure she slows down and understands what is going on. Her agent can call the other agent and get a picture of everything in a very short time. Good luck.