BEFORE YOU START YOUR HOME SEARCH, A QUALITY PRE-APPROVAL IS FUNDAMENTAL.
We can help you get pre-approved and on your way to home ownership fast! A high quality, verified pre-approval is becoming more and more important in today’s competitive housing market. The days of a bank/online lender simply placing “buyer is pre-approved” onto a piece of paper are gone. Listing agents and their seller-clients want buyers who have been thoroughly verified by a lending institution so they are absolutely certain the home can be purchased and the loan won’t fall through. Our firm can provide verified pre-approvals, or our most popular option, upfront underwriting to assist our clients. Both are done at no cost to the client. Read more about these options below!
Verified Pre-Approval: In a verified pre-approval, a loan advisor will collect your documentation and thoroughly verify your assets, income, and credit. Once completed, we will run your profile through an automated underwriting system that many of our lenders will accept as an upfront approval. At that point, we can give you a strong, vetted pre-approval in 24 hours with all of the programs that you qualify for and exactly how much you can afford. Our advisors can then take you through the options that are best for you.
TBD Underwriting: In the upfront underwriting scenario, your process is taken one step further and the loan will be given to a lender’s underwriting department. They will take your loan application and supporting documents to fully underwrite your loan. Ultimately, they will be able to issue you a “TBD underwriting approval” which is a fully underwritten approval before you have found your home. In our experience, this has given homebuyers the best chance to be the most attractive offer (along with some other tricks up our sleeves), and peace of mind that they can be approved for the loan.
Ultimately, we have multiple programs and lender partners that can complete upfront underwriting, or, we can do a verified pre-approval which can be a little faster and easier for clients with great credit, income and asset profiles who don’t need the deep dive. Either can be appropriate depending on the client’s profile, goals and home search situation. To begin, simply click on “apply online” to start a mortgage application or go to “schedule a call” at the top of this page and we will take it from there!
