We have our house on the market. We received an offer from buyers who were given a loan pre-approval letter from TJC Mortgage stating that they were approved for $116,000 USDA loan. This letter accompanied the contract that we then signed after agreeing on the price of our home. We then found a home ourselves – drew up a contract and made an offer to another seller who accepted our offer. We then find out that our buyers financing fell through. Our Buyer was told by their lender that they now do not qualify for the USDA loan. This TJC Mortgage Company wrote a letter of pre-approval before they even ran the couple’s credit – wasting all of our time and almost costing myself and my husband 1000’s of dollars. How does a company get away with writing up approvals of credit prior to actually doing their job and checking ones credit background to actually see if they qualify? Of course this shortsighted behavior has inconvenienced the buyers, their agent, my family, our agent, our lendor, and the sellers we were going to buy from and their agents as well. All because TJC Mortgage – did not do their due diligence and check the credit of a couple prior to writing up their approval. There should be a law against that.