Here’s a question we hear all the time: “Do I need a realtor before I can apply for a mortgage?” The short answer? No. You absolutely don’t. In fact, many buyers—especially first-timers—start with us first. And honestly, that’s how it should be.
We’re in a market where buyers have more options, more negotiating power, and more ways to prepare financially before they even step foot into an open house. So if you’re thinking about buying but don’t have a realtor yet, you’re not behind—you’re exactly where you need to be.
Start with Financing, Not a Home Search
Most people think the first step to buying a house is finding a realtor and looking at homes. But the truth is, you can’t seriously shop until you know what you qualify for. That’s where we come in.
When you come to us first, we can help you understand:
- What your budget really looks like
- What credit score and income requirements apply to you
- Whether you qualify for down payment assistance or grants
- How much cash you’ll need at closing
- What kind of loan program fits your situation
We’ll walk you through everything—credit review, budgeting, even free credit repair if you need it. That way, when it’s time to connect with a realtor, you’ll be walking in with a solid plan, not questions and uncertainty.
Why You Don’t Need a Realtor to Get Pre-Approved
Some buyers hesitate to reach out because they think they need to be working with a real estate agent first. But here’s the thing—most good realtors won’t even take you out to see homes unless you’re pre-qualified.
That’s because they need to know:
- You’re financially ready
- You’re serious about buying
- You won’t waste time on homes outside your price range
We work directly with buyers every day—many who come to us without a realtor—and once they’re ready, we help connect them with agents who are a good fit. So even if you don’t have a realtor, you’re still covered.
Here’s What Happens When You Start With Us
When you reach out to our team before talking to a realtor, you’ll get personalized support from day one. Here’s how we guide you through the process:
- Step 1: Quick consultation – We’ll go over your goals, concerns, and where you stand financially.
- Step 2: Credit review – We’ll check your credit and help you improve it if needed—for free.
- Step 3: Prequalification or preapproval – Based on your profile, we’ll determine which step is best and walk you through it.
- Step 4: Custom strategy – We’ll review loan options, down payment assistance, and how to structure your offer for success.
- Step 5: Realtor referral (if needed) – When you’re ready to shop, we’ll help pair you with a trusted agent who understands your loan type and budget.
By the time you meet a realtor, you’ll already have the confidence and numbers to start making offers.
Control the Process—Don’t Let It Control You
One of the biggest problems in this industry is that buyers often feel like they’re just along for the ride. A realtor refers them to a lender, and from there, they’re passed from one person to another without really understanding what’s happening.
We flip that. When you start with us, you’re in control. You understand the numbers, the timelines, and the programs. You know what questions to ask. And you’re not walking into the home search blind—you’re walking in prepared.
Ready to Start—No Realtor Needed
If you’re thinking about buying your first home and don’t have a realtor yet, that’s okay. In fact, that’s smart. Let’s make sure you’re financially ready, eligible for assistance programs, and preapproved before you dive into the home search.
When the time is right, we’ll even help you find the right real estate partner—one who matches your goals and understands your loan needs.
Take the first step toward homeownership—contact the REHL Team Clemente at: clemente@ramonespinozahomeloans.com or Ramon at ramon@ramonespinozahomeloans.com.
Se habla Español.
