Pre-Approval Letter Update Request
Every offer you write
New offer price, specific property, fresh date: request the updated letter in 30 seconds and it goes straight to Dan's phone. He responds to you directly, during business hours.
Home / For Realtors
The Friel Standard: what every agent gets on every file
Four promises. I hold myself to them on every loan, whether it's your first deal with me or your fortieth.
I can assist with your home loan in 49 states, excluding New York.
- Hear directly from Dan. Text or call me with any scenario during business hours and you'll hear back from me, not an assistant, during business hours.
- A written second opinion, in writing. Send me a declined or shaky buyer and after I review the information you get a written read you can forward: can it be saved, what it takes, and how long.
- Status texts on every milestone. You and your client get a text when the application is in, when it's pre-approved, when the appraisal is back, at conditional approval, at clear to close, and at funding. You never have to ask.
- A call to the listing agent on every offer. When your buyer writes an offer, I call the listing agent and walk them through the pre-approval so your offer reads as the safe one.
Every pre-approval letter I issue goes out after I've reviewed the documents, pulled credit, and run the file through automated underwriting. If a file I pre-approved ever dies on financing, you get the reason in writing after reviewing your information.
Keep exploring
Tools for your side of the deal
Seller Concession Limits
Every offer negotiation
Conventional, FHA, VA, and USDA caps in one verified table, including the VA 4 percent rule most agents get wrong. Stamped with the date it was last checked against the guidelines.
VA Offers: Listing Agent's Guide
Every VA offer your seller fields
What the VA appraisal really requires, why the 4 percent concession myth is a myth, and how to vet the offer in front of you. Written for the listing side.
Seller-Paid Buydown Calculator
When the price-reduction conversation starts
Show a seller what the same dollars do as a price cut versus a temporary buydown, using the buyer's own quoted rate. Year-by-year payments, the true cost of the buydown, and whether the credit being discussed covers it.
Arizona DPA Quick Reference
When a buyer asks about down payment help
Home Plus, Home in Five, and Arizona Is Home side by side: geography, assistance, forgiveness terms, credit floors, and the details that kill deals when nobody checks them. Verified against the current program documents (June 2026).
Smooth Closing Checklist
Share with buyers at contract
The checkpoints that actually protect your timeline at every stage from offer to clear-to-close, plus the most common issue at each one. Print it or send it to your buyers early.
Mortgage Calculator
For open-house payment questions
Model any scenario with any rate, including taxes, insurance, and HOA. The tool never supplies a rate, so the numbers are always your buyer's own.
AI for Realtors: Starter Prompt
From Dan's AI class for agents
The ready-to-copy starter prompt from the class, with setup instructions. If you attended, this is the page from the QR code. If you did not, it still works.
Agent Kit: how to send me a buyer
When a buyer needs another path
The exact words to use, when to send someone, and what happens after you make the introduction.
The Weekly Rate Note
One short email a week
Where rates sit this week and what it means for your buyers and your listings, in plain language. No spam, unsubscribe any time.
Send me your first file
New to working with me? Send me the numbers on a buyer you already have pre-approved somewhere else. I'll give you a second look after reviewing your information, no charge and no strings. If their lender did a good job, I'll tell you that too.
Frequently asked questions
How fast do you actually respond?
Text or call me with any scenario during business hours and you'll hear back from me, not an assistant, during business hours.
What does a second opinion cost my client?
Nothing. There is no charge, and I won't pull credit until your client chooses to apply.
Do you work with buyers outside Arizona?
I'm licensed in multiple states through Barrett Financial Group. Ask me about the state your buyer needs and I'll confirm whether I can help.
Will you call my listing agent?
Yes. With the buyer's permission, I call the listing agent on every offer and walk them through the pre-approval.
Ready to see your actual numbers?
The calculator models scenarios. Dan shops 160+ lenders to find your real rate. Grab a call or start your application and we will walk through it together.