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:
- Include the Listing Lender Disclosure Addendum with the MLS documents.
- Direct buyers to Steve-Combs.com → click “Prequalify” to submit their info.
- 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
- Simple to Use and Implement
- Clear instructions, one form, no gray areas. Our team handles the legwork.
- Provides Comfort & Safety for Sellers
- Every buyer’s offer undergoes a deep financial readiness check by a trusted lending team.
- Creates Competitive Advantage
- Listings stand out with elite tools: affordability breakdowns, strategy flyers, and real data presentations that attract serious buyers.
- Supports Sellers on Their Next Move — Nationwide
- Whether staying local or relocating across the country, we remain their lender for life — guiding the next purchase with the same care and strategy.
- It’s Free to the Seller
- 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!