Get pre-approved with the strongest letter in the market.
Our Pre-Approval PLUS+ is fully underwritten — meaning sellers see your offer as cash-strong with a 21-day close commitment.
Standard Pre-Approval vs. Pre-Approval PLUS+
Not all pre-approvals are equal — and sellers know the difference.
Standard Pre-Approval
Most Lenders
- Based on stated income and assets
- Lender review only — not underwritten
- Subject to change after offer accepted
- Can take 30–45 days to close
- May be questioned by sellers in competitive markets
Pre-Approval PLUS+
First Look Home Loans
- Income, assets, and credit fully verified upfront
- Fully underwritten — not just a credit pull
- Financing secured before you make an offer
- 21-day close commitment
- Sellers recognize the strength of an underwritten letter
Pre Qual vs Pre Approval for a home loan
How Pre-Approval PLUS+ works
Initial Consultation
We start by learning your goals, timeline, and financial situation. No pressure, no sales pitch.
Document Submission
Securely submit your income, asset, and employment documents through our portal.
Full Underwriting
We run actual underwriting — the same review a lender would do at closing — before you make any offers.
PLUS+ Letter Delivered
Receive your fully underwritten Pre-Approval PLUS+ letter, valid for 90 days.
Why sellers prefer Pre-Approval PLUS+
Stand out in any market
In a multiple-offer situation, a fully underwritten letter signals to sellers that your financing is real — not conditional. That difference can win the home.
21-day close commitment
Our average clear-to-close is already 15 days. With Pre-Approval PLUS+, we back it with a 21-day commitment so sellers know you can move fast.
Shop with real confidence
Know your actual buying power before you fall in love with a home. Your PLUS+ letter reflects what you can genuinely afford — no surprises.
Common questions about Pre-Approval PLUS+
Get your Pre-Approval PLUS+ today.
Start the process online or reach out directly — we typically turn pre-approvals around faster than you'd expect.
NMLS #1898199 · Austin Williams NMLS #885656 · Equal Housing Opportunity