Be prepared to break in or give the police permission to break in.

These are people that have permission from the underwriters to sell their insurance product.

@Jeffrey GrieshopYeah, it would be great info to have, but unless the current mortgage holder gives you the info or permission to get it, good luck. 

Our standard contracts will not allow a change in lender without written permission from the seller, so I'm not sure why your agent is trying to introduce this, especially if it's after the appraisal. 

Just to clarify: you gave a key to 2nd floor tenant for the 1st floor unit and didn't ask permission first? 

By foreign national I mean somebody who lives in another country and has no legal permission to be in the US.

I guess I need the sellers permission and account information to contact the bank?

I wouldn't waste my time (which is what you will be doing) if you don't get both on the same page.Even is the hubby is the only one on the mortgage - she will wield a lot of influnce either way.Spend your time talking to the sellers together and once you have her on board - then you can start with the permission to talk to the bank etc....Trust me on this I have wasted a ton of time dealing with couples where one of them is not on the same page as the other and it normally is a complete waste of everyones time.Time is $$.And if you think that there are no good opportunities in Houstan TX - then you are not looking in the right places - I woudl focus on finding more deals.

Better to beg for forgiveness than ask permission!

In fact, to do so before 9/11 without verbal permission from the traveler was considered assault and a security officer could have gotten arrested for it.