You will of course also be giving them the next action steps to get preapproved ("talk to my LO Sally, here's her cell phone app where you can schedeule an appointment RIGHT NOW to meet with her!"

Of course, it depends on what your goals are, but generally people fall into one of two categories:growth modeefficiency mode (trim the fat, 80/20 rule, etc)If you are in growth mode, you'd probably get about a $176k loan (80% LTV) and have $55k to play with. 

But that was me, YMMV if you have a fat w2.

Don't give these people your cell ; use Google voice.      2a. since your in Chicago, be aware of Chicago landlord tenant ordinance and that in Cook county you can't discriminate against section 8.  2b.

I told him to give me the title company's direct phone number and a contact, so now I have a name (Dave) and what appears to be a Delaware cell number...

Some just answer the phone "hello" as it appears things are forwarded to their cell or something.    

Lets see, whisper tons of BS in your earConvince you the market is scarceTell you an appraisal before making an offer is sillyArgue with the bank when the bank appraisal tells you you're paying to muchCollect a fat 2.4% or more (which is a super big payday on a $30k house - lol)Buy all the best deals themselvesWhy do I feel I'm probably not making friends in this thread???

Main things I look for are recent late payments on car loans, and collections relating to utility/cell phone bills.

Too fat and happy I guess. 

@Thomas Kneifel just send you my cell via PM.