Offer Package Checklist (San Antonio Buyers & Agents)

In a competitive market, the strength of the offer package matters just as much as the price.

A well-prepared offer package:

• Reduces seller uncertainty
• Increases credibility
• Minimizes delays
• Protects the buyer’s position

This checklist outlines what should be included before submitting an offer.

1. Strong pre-approval letter

A strong pre-approval should include:

• Fully reviewed income and assets
• Credit reviewed
• Loan program confirmed
• Accurate price and payment range

Pre-qualifications are not the same thing.

If the file hasn’t been reviewed thoroughly, sellers can sense it.

Before writing the offer:

• Confirm verified funds are sufficient
• Ensure bank statements are already reviewed
• Clarify if gift funds are involved

Surprises at escrow are avoidable.

Make sure the right loan structure is selected:

• Conventional vs FHA vs VA
• Down payment amount
• Seller concession limits
• Condo eligibility (if applicable)

The offer should reflect a program that truly works.

Clean Pre-approval Letter

• Addressed properly
• Accurate purchase price
• No unnecessary conditions listed

Avoid generic letters that look automated.

If the listing agent requests it:

• Provide clean bank statement summary
• Remove account numbers for privacy

This builds seller confidence.

In competitive situations, a quick note from the lender can help.

A simple message like:

“Buyer is fully reviewed and income/asset verified. We are confident in a smooth closing.”

That reassurance can make a difference.

In competitive markets:

• Understand appraisal gap risks
• Discuss options in advance
• Clarify whether buyer has flexibility

Don’t wait until after contract to talk about this.

Writing Offers Before Pre-Approval Is Fully Reviewed

This leads to:

• Condition overload
• Last-minute documentation
• Stress for everyone

Before submitting an offer on a condo:

• Verify project eligibility
• Confirm HOA documentation requirements

Each loan type has limits:

• Conventional limits depend on down payment
• FHA has maximum seller contribution caps
• VA allows more flexibility but still requires structure

The offer needs to align with the loan program.

Before submitting an offer, confirm:

• Pre-approval fully reviewed
• Funds verified
• Loan structure locked in
• Appraisal strategy discussed
• Seller concession limits confirmed

Clean files close faster.

A strong offer package:

• Reduces underwriting friction
• Minimizes back-and-forth
• Builds listing agent trust
• Protects your timeline

Most delays are preventable with better upfront preparation.

If you’re preparing an offer and want confirmation that everything is structured correctly, I’m happy to review it before submission.

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Tyler Krug
Mortgage Broker | 210 Mortgage
San Antonio, Texas

📞 210-204-8249
🌐 www.210mortgage.com

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