Offering Buyers a Competitive Credit Approval Program with Home Buyer’s Edge

According to new data from Redfin, over one in three U.S. homes are now purchased with cash. To help combat the frustration that comes with repeated offer rejections, we offer a full credit approval program, Home Buyer’s Edge. 

Unlike mortgage pre-qualifications or pre-approvals, Home Buyer’s Edge involves a thorough evaluation of your income, assets, and credit profile by a seasoned underwriter.

Offering Our Clients a Full Credit Approval Program, Home Buyer’s Edge

Home Buyer’s Edge is a comprehensive credit approval program. With a full credit approval, borrowers have their credit profile verified by an underwriter. 

Buyers have several tools available when it comes to securing a home. Here's an overview of these options, their disparities, and how they can elevate your prospects in today’s competitive market:

Level 1: Pre-Qualification

A preliminary stage involving verbally disclosing your financial details to your loan officer, who conducts a credit check.

Level 2: Pre-Approval

Submission of pay stubs, bank statements, and W2 forms to your loan officer for a more comprehensive assessment, alongside a credit check.

Level 3: Full Credit Approval with Home Buyer’s Edge

Similar documentation as pre-approval, but your financial profile is verified by a seasoned underwriter. This comprehensive assessment ensures a thorough vetting of your financial standing. 

By validating your income, assets, and credit, you present yourself as a highly qualified buyer, gaining a competitive edge over other potential contenders. 

Borrowers Can Secure an Offer in Three Easy Steps 

1. Complete a short mobile application 

2. Upload your documents

> W2’s

> Tax Returns

> Paystubs

> Bank Statements

> Any other relevant documents reflecting your financial status

3. Complete the verification process 

Our underwriters will meticulously verify your income, assets, and credit, furnishing you with a fully-vetted credit approval, contingent upon an appraisal.

Don’t let your dream home slip through your fingers. Reach out to one of our seasoned loan officers to secure your credit approval with Home Buyer’s Edge today.