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Agent Intro | The Listing Lender Program

Welcome to The Listing Lender Program

Designed to Protect Your Sellers. Empower Your Listings. Support Every Buyer.

At the heart of every successful home sale is certainty — and The Listing Lender Program delivers exactly that.

Created by Steve Combs and powered by Cornerstone Home Lending, this program equips listing agents with a seamless way to validate the strength of every financed offer submitted on their listing. It ensures peace of mind for sellers and sets your listing apart with elite-level buyer presentation tools — all at no cost to the seller.

What Is It?

The Listing Lender Program is a seller-focused prequalification process that requires all financed offers to be reviewed and prequalified by our team before they’re considered. If the buyer chooses to use a different lender, no problem — we simply request their fully underwritten preapproval in addition to our review.

This process is both legally compliant and transparent, with a standardized seller disclosure and buyer notice included in the listing documents. You’ll also find a brief video overview of our exclusive Payment Affordability Program, which helps buyers see real numbers that reflect their cost, not just the rate.

How to Use It (Simple & Compliant)

For sellers requiring buyer prequalification through the Listing Lender, the process is:

  1. Include the Listing Lender Disclosure Addendum with the MLS documents.
  2. Direct buyers to Steve-Combs.com → click “Prequalify” to submit their info.
  3. Our team reviews the file, confirms strength, and issues a conditional approval letter — often within hours.

[Download the official disclosure for your listing → Available on this page.]

Why Agents Love It — The 5 Big Benefits

  1. Simple to Use and Implement
  2. Clear instructions, one form, no gray areas. Our team handles the legwork.
  3. Provides Comfort & Safety for Sellers
  4. Every buyer’s offer undergoes a deep financial readiness check by a trusted lending team.
  5. Creates Competitive Advantage
  6. Listings stand out with elite tools: affordability breakdowns, strategy flyers, and real data presentations that attract serious buyers.
  7. Supports Sellers on Their Next Move — Nationwide
  8. Whether staying local or relocating across the country, we remain their lender for life — guiding the next purchase with the same care and strategy.
  9. It’s Free to the Seller
  10. No added cost. Just added certainty.

The Listing Lender Difference

We don’t just issue a surface-level letter. When a buyer receives a Conditional Loan Approval from Steve Combs, they’ve already been reviewed for:

  • Credit, employment, debt ratios, and assets
  • Loan program eligibility
  • Contingencies and financing timeline
  • Potential issues that could delay or derail closing

Your seller gets the real picture of their buyer — up front.

Complete Marketing Suite

Included Services:

  • Total Cost Analysis & Rent vs. Own presentations
  • Unique Property Listing Website with video-narrated Loan Options & Promotions
  • Open House financing flyers & Neighborhood Report Cards
  • Seller Concession Analysis & Renovation Loan Scenarios
  • Advanced Title Search
  • Contingency Plans for Home Sale, Appraisal Gap and Commission Gap
  • Property Comparison Tools
  • Planning for the Seller’s Next Home Purchase
  • …and more.

**A Note for Buyer Agents**

Your client’s choice of lender is always their own — this program simply verifies that financed buyers meet a consistent standard for consideration. If they plan to use a lender you trust, great — they’ll just need to provide a valid, credit-underwritten preapproval alongside their Listing Lender approval.

Our goal isn’t to interfere — it’s to ensure fairness, trust, and transparency in a high-stakes market.

Watch the Payment Affordability Program Video Now

See how our unique affordability snapshots help buyers understand payment ranges in today’s terms — not yesterday’s estimates.

Questions? Want a walkthrough?

Text or call Steve directly at 301.672.8771 or schedule a time at MeetSteveCombs.com

Let’s make every listing safer, stronger, and easier to close.

Welcome to the Listing Lender Program!

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Reviews

"Steve is the best lender I've work with to date. He was very detailed from initial offer to closing and always kept me up to speed as to where I was in the process. I'll will be recommending him to anyone in the market for a home."

adam

"Steve Combs was great to work with! He’s very friendly, efficient and communicative throughout the entire process. He has helped me with the purchase of now 2 houses and would highly recommend him and Cornerstone Home Lending."

marcia beazley

"Steve Combs and his teams are best, if anyone looking to buy house first thing first, don’t hesitate to call Steve and get pre approval. I highly recommend"

rifz time

"Fantastic experience working with Steve and his team! Everyone was highly communicative throughout our home buying process and helped us navigate as first time home buyers. Highly recommend!"

kayla titialii-torres

"Joe was extremely easy to work with. He was very knowledgeable about the current market, timely and very communicative. I look forward to working with Joe in the future! Thanks for an easy transaction, Joe!"

lauren garner

"Steve Combs and his team were wonderful to work with. Very patient and explained our options well. Thanks for your help in making our dream come true!"

nancy lee

"Steve was amazing right from the beginning! He is clearly very knowledgable and is able to explain everything in a way that is easy to understand. He was very detail-oriented and worked to ensure we were well taken care of. We are so glad that we decided to trust Steve while buying our first home!"

amber noegel

"Steve was amazing right from the beginning! He is clearly very knowledgable and is able to explain everything in a way that is easy to understand. He was very detail-oriented and worked to ensure we were well taken care of. Even with the bumps at the end (not due to any fault of his own!), we were very confident in Steve's ability to work everything out and for our benefit. We are so glad that we decided to trust Steve while buying our first home!"

amber noegel

"Steve Combs was very professional and hands on. I purchased from out of state and working with him was the easiest part of the whole process. My experience with Steve was smooth and straightforward and I feel he had my best interest at heart. Thank you!!"

ashley ellison