There's two issues here. A realtor doesn't want to spend time taking you around unless you're qualified for a loan. Sellers today will normally not accept a contract unless they know the purchaser can obtain the mortgage described in the sales contract. Why not go to the company the realtor recommends, talk to them and get the letter you and your agent are looking for. Then, take the time to shop around for other lenders and other loan programs.
Referrals are always a good way to find a lender.
The Post also lists the major lenders in our Saturday's real estate section. I know that this is a big problem for a lot of people out there, so please take the time to enlighten us. First of all, I want to say that this is a common problem. People with good incomes, but not that much savings. We're just not saving that much, it seems.