Certified Homebuyer Pre-Approval
In today’s lending environment, getting pre-qualified just isn’t enough and basic pre-approvals come with no guarantees. Before you even contact a real estate agent, you should strongly consider getting pre-approved with a Certified HomeBuyer designation, which is only offered by The Family Mortgage Team at Leader One Financial.
Loan Facts:
- Most "Pre-Approvals" are NOT real loan approvals.
- Those Pre-Approvals are educated guesses about a buyer’s qualifications.
- Loan Originators issue Pre-Approvals, but they have NO approval authority.
- ONLY Underwriters Can Approve Loans.
Our Guarantee
Our Certified HomeBuyer Pre-Approval Letter is the strongest in the industry. We verify all of your income, assets, credit, etc., upfront, making your new Mortgage GUARANTEED. No more deals falling through and no more frustration on trying to get your offers accepted. At Family Mortgage, we’re so confident of our Certified Pre-Approval, that if yours doesn’t hold up, we’ll pay the seller $5,000. That will get a seller’s attention.
- Credit report obtained/approved
- Income verified
- Closing funds verified
- Assets & debts verified
- Fully documented, processed and issued by authorized Underwriters
- Backed by a $5,000 Guarantee
Our Advantage
With a Pre-Approval from The Family Mortgage Team, you can rest assured you’re capable of closing on the loan quickly and efficiently. You will not be wasting your time looking for a house you can’t qualify for. Times have changed and even if you are strong financially, it pays to know everything is OK on the front end. We can also ensure that your application will be fast, customized, and at no additional cost to you.
- You can tell the listing agent that your buyer has been pre-underwritten and can close in 15 days.
- You will know for sure what you can afford, what the payment will be, and how much cash will be necessary at closing, right up front.
- You'll be in a position to get a better interest rate because our lenders can provide better pricing for shorter lock-in periods.
- If you are short on cash or struggling to get to a certain down payment threshold, we may be able to suggest some creative ways to get to the goal line, assuming we have some lead time.
- If there are credit score issues, we are experts in ways to improve your scores. This can make the difference between qualifying and not qualifying or taking a higher rate. If we have some time, simple strategies can make a big difference.
Get Started Today!
Contact Us or Complete an Application To Receive Your Free Certified Mortgage Pre-Approval Today!