In today’s low inventory environment, the housing market is super competitive. So, to help you win the house — even in a bidding war — we offer our clients an Approval Guarantee. When you have an Approval Guarantee it’s like a secret weapon for your purchasing power. The seller has a guarantee that you are fully approved to purchase, not just pre-approved, and you can choose to waive the financing contingency! This makes your offer aggressive, like a cash offer, and you can close in as little as 10 days!
What are the benefits of getting an Approval Guarantee?
Our Approval Guarantee program can help improve your chances of scoring the house.
Your offer is as close to a cash offer as possible.
You’re presenting the seller with a fully underwritten approval.
Most pre-approvals are based on credit and unverified income rather than being fully underwritten, and they are only good for 30 to 60 days.
Upfront Approval Guarantee verifies bank records, tax statements, credit scores, income, assets, debt-to-income ratio — and is good for 120 days.
How does the Approval Guarantee process work?
To begin the process, you’ll fill out online application and securely provide all their financials for our Underwriting team to review.
By underwriting your file upfront, you know exactly what you can afford including your price point, closing costs and payment. Any potential roadblocks will be resolved before you find your home. The only items outstanding after that are property specific (appraisal, inspection & title work), and that is a win!
Once you start house hunting, you’ll have a full approval in your possession to shop with confidence. When it comes time to make an offer you can get aggressive by waiving your financing contingency and close in as little as 10 days! Sellers absolutely love it!
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