Should I work with a Realtor who also does financing?
Short Answer
You can. I am a Realtor and Loan Originator in Florida. Search and apply can sit on one file. Realty of America handles the real estate side and PMF, Inc. handles the mortgage side. Using me as Realtor does not require using me as Loan Originator.
Should I work with a Realtor who also does financing?
You can. I am a Florida Realtor and loan originator. Search and apply can sit in one conversation. Realty of America handles the real estate. PMF, Inc. handles the mortgage. Using me as Realtor does not require using me as loan originator.
The deeper dual-licensed walkthrough is the realtor-and-lender article. This page is the short decision.
What this looks like in Pinellas
Condos, flood, and insurance bind dates punish a search that ignores the 1003. Dual-licensed help catches that earlier. It does not waive HUD project lists or a carrier.
Step-by-step
- Decide if you want one conversation.
- Sign representation before tours.
- Apply only if you want this lender path.
- Keep the letter and the streets in the same box.
Hire one seat or both
| Choice | What happens |
|---|---|
| Realtor only | I represent. You use another lender. |
| MLO only | I originate. Another agent can represent you. |
| Both | One conversation, two companies, still two licenses |
What you control versus what you do not
You control the hire. You do not control underwriting.
Common mistakes
Assuming dual licensed is a discount. Assuming it is required. Skipping the buyer-broker agreement.
Next step
Book. Equal Housing Opportunity applies. Not a commitment to lend.
Jonathan Loescher, SL3546365 and NMLS 2621894. 29399 US Highway 19 Suite 150, Clearwater, FL 33761. (727) 729-2961.