Realtor-to-Mortgage Referral Workflow

Obtain the client's consent and use the referral pathway to provide contact information. Avoid turning the introduction into an underwriting memo. The mortgage team should contact the client directly, explain its role and collect financial information through its own process.

The mortgage professional reviews income, credit, debts, down payment and target purchase range. The Realtor receives only the information the client has authorized to be shared—ideally a practical range, material property constraints and whether further review is needed before offers.

Before an aggressive or firm offer on a non-standard property, the Realtor sends property facts or a listing link and asks whether the property raises financing concerns. This is not a lender approval; it is a triage step that may identify the need for a condition, appraisal or alternate lender path.

Immediately send the complete executed APS, listing, schedules/amendments, condition deadline and closing date. The mortgage professional handles lender submission and borrower-document completion. The Realtor handles transaction access and seller-side coordination.

Use the consented milestone framework: submitted, conditional approval, material conditions outstanding, lender complete, lawyer instructed, funded. Do not circulate credit scores, income details or lender negotiations unless truly necessary and authorized.

After funding, confirm the transaction closed and capture process lessons: what created delay, what property information was missing, whether the pre-approval assumptions changed, and what could improve the next referral. A professional referral partnership should become more reliable over time, not merely produce more introductions.