Published by NestEdge Realty. This is a practical guide, not an independent agent ranking or a guarantee of results.
Your buyer’s agent and mortgage lender have different responsibilities in a Westchester purchase. The agent coordinates property and offer questions; the lender evaluates the loan and explains its requirements. Good communication helps identify issues without treating preapproval as a promise of final approval.
Prepare before writing an offer
Ask the lender what information has been reviewed, what conditions remain and how long the proposed financing timetable requires. Give your agent the approved documentation needed to present an offer. Send sensitive financial records through the lender’s designated secure channel rather than adding them to routine showing messages.
Check the proposed terms together
Before proposing a closing date or seller credit, ask the lender whether the structure works with the loan. Bring financing and appraisal protections to your attorney for review. Changes in price, property type or loan structure can require a fresh conversation; an earlier estimate should not be assumed to cover a different transaction.
Compare financing with the lender
The CFPB Loan Estimate comparison guide helps borrowers compare payments, closing costs and loan terms. An agent’s introduction to a lender does not replace shopping or independently assessing the proposal. Ask the lender to explain unclear figures and which costs may change.
Maintain a shared deadline list
Track appraisal access, document requests, financing milestones and closing preparation, with a responsible person for each item. Contact Matthew Gluck to discuss purchase coordination, and review the Westchester home-buying guide for the overall sequence.