<prompt> Human: My wife and I pre qualified for a mortgage loan of up 170,000 but agreed we werent going to go over 140,000 as we dont need that much house for our 1st home and not having any children. We found a place we like and after talking to our realtor we are going to make an offer of 134,000. She then told us to call our bank and get pre Qual letters showing amounts of 134,000 and 136,000 etc... at first I didnt think anything of it but started to make me uncomfortable as it feels like Im being dishonest. Is this just normal business practice or should I consider not getting the other letters? Thanks  <response>: Its not dishonest. Nothing on the letter says Oh and by the way this is EVERY penny we could ever give them. Its just a move to make the seller think that there is no where to go with you guys. Personally not an RE agent I think this is kind of risky. Where I am, sellers are considering the stability of potential buyers. They want a buyer that will 99.9 close the deal. So if they think you can BARELY afford the house and something might come up during the rest of the mortgage process, they might go find a buyer that looked better on paper. My mortgage broker however, told us what he could get us, and then said When you make an offer, shoot me an email, and Ill send over a letter with basically that amount on it. So honestly I cant remember exactly what weve sent over with our offers. 