When you write an offer to purchase a home you also submit a Lender Letter. The Lender Letter is provided after you meet with the lender to discuss financing your new home purchase. The letter describes your ability to qualify to purchase the property. When you submit your offer, the lender is usually called to confirm they wrote the letter and that you qualify for the loan. The purchase contract is written with certain protections for you as the buyer, which go away if you change from the lender who provided the letter with the offer to purchase the contract. So please make sure you interview the lender, that you are comfortable with how they explain things to you. Be sure you understand the lender is going to ask you for many documents. Sometimes they will ask for the same documents over and over again. You must comply with their requests for documents in a timely fashion if the purchase is to go through on time. Getting a loan today to purchase is a lot of work!