Agent Intro | The Listing Lender Program

Welcome to The Listing Lender ProgramDesigned 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 BenefitsSimple to Use and ImplementClear instructions, one form, no gray areas. Our team handles the legwork.Provides Comfort & Safety for SellersEvery buyer’s offer undergoes a deep financial readiness check by a trusted lending team.Creates Competitive AdvantageListings stand out with elite tools: affordability breakdowns, strategy flyers, and real data presentations that attract serious buyers.Supports Sellers on Their Next Move — NationwideWhether 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 SellerNo added cost. Just added certainty.The Listing Lender DifferenceWe 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 assetsLoan program eligibilityContingencies and financing timelinePotential issues that could delay or derail closingYour seller gets the real picture of their buyer — up front.Complete Marketing SuiteIncluded Services:Total Cost Analysis & Rent vs. Own presentationsUnique Property Listing Website with video-narrated Loan Options & PromotionsOpen House financing flyers & Neighborhood Report CardsSeller Concession Analysis & Renovation Loan ScenariosAdvanced Title SearchContingency Plans for Home Sale, Appraisal Gap and Commission GapProperty Comparison ToolsPlanning 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 NowSee 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.comLet’s make every listing safer, stronger, and easier to close.Welcome to the Listing Lender Program!

Mortgage Interest Rate Buy-Downs Explained

How to Win the Bid in a Competitive Market

In this video, I discuss the current state of the real estate market and provide tips and tools for navigating it successfully. I explain why competition is high and how to make your offer stand out. I also address the importance of understanding appraisal gaps and the role of pre-approval letters. Additionally, I share how our team can help eliminate stress and strengthen your home loan approval. If you're looking to buy a home, this video will provide valuable insights and guidance.Here is a link to a Sample Homebuyer Client Dashboard:https://www.buysomd.com/presentation/4KDRqrNHere is a link to a Sample Homebuyer's Advantage Offer Dashboard Sent to a Listing Agent:https://www.buysomd.com/presentation/99647/

Home Loan Hack for 2025 – A Temporary Buydown Can Help You Save!

In this video, I explain a strategy we're using to navigate the current real estate market with higher price points and interest rates. I discuss the impact of these factors on home prices and rental rates, as well as the importance of considering the long-term benefits of homeownership. I also present different transaction scenarios, including conventional loans and temporary buy-down options, to help you understand how these strategies can make homeownership more affordable. By the end of the video, you'll have a clearer understanding of whether it makes sense to purchase a home now or wait for interest rates to potentially decrease.

Feeling Trapped in Your Home by Your Low Interest Rate?

Many US Homeowners are feeling trapped in their existing homes by their low interest rates. They want to sell the home they’re in and move up to their dream home but higher interest rates and higher home prices create a major challenge. In this video, ‘The Listing Lender’ Steve Combs introduces a concept called a home purchase debt consolidation strategy. Thanks to home price appreciation over the last several years, this strategy is a solution for savvy homeowners looking to buy a bigger home in a higher interest rate market. Steve-Combs.com TheListingLender.com NMLS 381933