Almost Home Program
Designed to secure your mortgage before you start your home search! Skip the pre-approval process and secure your loan commitment before making an offer.
Key Features
- Remove the uncertainty of a pre-approval.
- Gain an edge over competing offers with stronger financial backing.
- Close in half the time.
- Negotiate better terms, like a lower purchase price or seller-paid closing costs.
- There is no cost to this program
FAQs
What’s the difference between a pre-approval and a loan commitment?
A pre-approval is an unofficial document issued by a loan officer, while a loan commitment is an official approval issued by an underwriter.
How much faster is the process with a loan commitment upfront?
The process typically closes in half the time since the loan has already been reviewed and approved.
How long does my loan approval last?
The loan approval is valid for 120 days. After this period, we’ll simply need to update some documents.
Does having a loan commitment help in negotiating the purchase?
It definitely should! An offer with a loan commitment is almost as strong as a cash offer, giving you significant leverage to negotiate the sales price and request closing cost assistance.
How does this program help get the seller to pay for a 2/1 rate buydown?
With your mortgage secured at the time of the offer, sellers are often more willing to cover the cost of the rate buydown as part of the deal.
© 2025 All Rights Reserved.