In real estate, your reputation is everything. And when you refer a lender to your client, you’re putting that reputation on the line — for better or worse.
That’s why asking the right questions of your lending partners isn’t just a best practice — it’s essential.
But here’s the truth: many realtors don’t ask the deeper, operational questions that separate an okay lender from a truly reliable one. And as a result, they end up blindsided by delays, poor communication, or last-minute surprises that could have been avoided.
At Tidewater Mortgage, we believe in full transparency — and we want you to hold us to a high standard. So here’s a list of smart, powerful questions that realtors should be asking… and our answers to each one.
- “How Do You Communicate Throughout the Transaction?”
Why it matters: Smooth, timely communication can make or break a deal — especially in fast-moving markets.
Ask us:
- Will I get updates on key milestones?
- Do you notify both me and the buyer during underwriting?
- Can I reach a real human quickly if something changes?
Our answer: At Tidewater, we keep all parties informed every step of the way. You’ll get real-time updates and direct access to your loan officer. No ghosting. No guesswork.
- “What’s Your Average Time to Close?”
Why it matters: Delayed closings can cost your client money, frustrate sellers, and put your deal at risk.
Ask us:
- What’s your current average turn time?
- Can you close in 21 days or less when needed?
- How do you handle tight contract deadlines?
Our answer: We prioritize fast, efficient closings. With streamlined systems and local decision-making, our average close time consistently beats the industry standard.
- “Will My Buyer’s File Be Handled Locally or Outsourced?”
Why it matters: Local processing and underwriting often lead to faster decisions and more flexibility.
Ask us:
- Where is your underwriting team based?
- Will I be able to reach someone who understands our market?
Our answer: We keep everything in-house and local whenever possible. That means fewer handoffs, faster responses, and underwriters who understand your specific market.
- “Can I Speak to the Underwriter If Needed?”
Why it matters: Sometimes a conversation can solve what a string of emails can’t. Direct access matters — especially in complex files.
Ask us:
- Can you escalate a question to underwriting quickly?
- Will I be able to clarify conditions or exceptions?
Our answer: Yes. If it helps the file move forward, we’ll always connect you or your buyer to someone who can make decisions — not just pass messages along.
- “What Makes You Different from Other Lenders I Work With?”
Why it matters: Not all lenders are created equal — and not every “yes” is backed by reliability.
Ask us:
- What are your strengths as a partner to agents?
- What tools or processes do you offer that help me look good?
Our answer: We’re not just here to close loans — we’re here to protect your reputation. We understand that when we show up for your client, we’re showing up for you. From marketing support to quick closes to after-hours availability, we’ve got your back.
Let’s Be the Team Your Clients Brag About
If you’re looking for a lender who believes in full visibility, direct access, and shared wins — we’re your people. These questions shouldn’t be awkward or confrontational. They should be the starting point of every strong partnership.
At Tidewater Mortgage, we invite them. Because we’re proud of how we do business — and we know your referrals deserve more than “just okay.”
Ready to chat lender-to-Realtor?
Let’s connect and talk about how we can help you win more deals — with less stress.
