How to know who is going to be on title with your buyer(s)
There are 3 questions you should be asking.
Do they have a significant other?
If yes, is their partner going to be on title. Doesn't matter if they are on the loan or not, do they want them to be on title. If so, make sure the lender is aware of that, and it does not cause any problems with the type of loan they are receiving. Sometimes the significant other is a non-borrowing spouse, which is okay but they are still considered a buyer for realtor purposes.
Do they have a trust or an entity they would like to take title in.
What the lender does, escrow does and the realtors do are all different things. However, the contract states you need the seller's permission to add another buyer. The new contract will also limit the amount of days this can be done as well. So to prevent any headaches for your clients by having to file a deed after the close of escrow, these need to be asked BEFORE you write their offer. Note escrow is not allowed to add the buyer after closing anymore for you and your clients.
Note this will also save you on the additional costs of our $50-100 fee for adding a buyer.