UNDERSTANDING YOUR PURCHASE POWER

Preliminary Analysis
What You Need
- Stated monthly income & debts
- Property type
- Stated credit scores
- Stated down payment & purchase price
This Certificate provides a preliminary assessment of your loan eligibility based solely on the income, debt, and asset information you provided to us, as well as your credit score; changes to this information may change the terms of this Certificate. 1

Preliminary Analysis
Verified Analysis
What You Need
- Documented income & assets
- Property type
- Credit report
- Down payment & purchase price
This Certificate signifies that we have verified your income, asset, debt, and credit information and on this basis have pre-approved you for the home mortgage loan. Subject to additional terms and conditions. 1

Homebuyer Guidebook
Preliminary Analysis
Verified Analysis
Underwriting Analysis
Excellent Closing Speed
What You Need
- Verification of income & assets
- Property type
- Credit report
- Down payment & purchase price
- Approval by underwriting
This Certificate signifies that our Underwriting Department has conducted a thorough analysis of your creditworthiness and issued a full credit approval provided that your verified income, asset, debt, and credit information do not change. This credit approval may be applied towards the purchase of a specific property if property-specific requirements are met. 1

Homebuyer Guidebook
Preliminary Analysis
Verified Analysis
Underwriting Analysis
Excellent Closing Speed
Only Property Conditions remain
$10,000 Guarantee*
What You Need
- Verification of income & assets
- Property type
- Credit report
- Down payment & purchase price
- Approval by underwriting
- Satisfy property conditions
This guarantee signifies that our Underwriting Department has conducted a thorough analysis of your creditworthiness and issued a full credit approval provided that your verified income, asset, debt, and credit information does not change. This credit approval may be applied towards the purchase of a specific property if property-specific requirements are met. 1
GUARANTEED CREDIT APPROVAL: THE EDGE IN HOMEBUYING
Not all applicants will qualify. Certifications are based on the applicant’s income, debt, assets, and credit information and their ability to repay the proposed loan. Closing speed characterizations refer to the time between a fully executed purchase and sale agreement and closing and are subject to delays caused by other parties. Certain restrictions apply; contact us for more detail