what to put in an offering letter?

I'm a little confused. If you are not using a buyer broker, then the listing agent is representing you. They should give you some correct advice on what to to put in the letter. If it's by owner then yes, you are representing yourself and your attorney may be able to help you in putting together a package. In that case I would state your interest in the apartment, express your offer, downpayment and how much financing. In bullet points include any contingencies or positives about your offer, (giving up a mortgage contingency, waiving an appraisal) etc... On top of that include the name of your mortgage broker, your attorney and proof of your assets (with account numbers blacked) and the pre approval letter.

You can also add a little summary about yourself, connection to the building or neighborhood. It can help.

Just hire a buyers broker for less headache, and better knowledge on what to do. Then after if you ever want to buy more property you'll know what to do

Pre approval letters do not carry very much weight. The pre approval is based on what you tell the bank you earn verbally. Therefore they don't mwan very much and a lot of brokers know this. However there are some pre approvals that banks do, they have a different name where it's essentially acommitment letter. The bank will review your pay stubs, bank statements, etc. Then when you sign the contract, the commitment letter can be finalized .
Ellen Silverman
Mortgage Broker sonce 1990
esfundingco@aol.com
NMLS #60631