A pre-approval sellers take seriously
Our Platinum Pre-Approval is reviewed up front, so your offer carries real weight. It comes with a 21-day closing guarantee and our earnest money guarantee.
- Same-day response from Nelson, a broker with 20+ years of experience
- Options shopped across the nation's top wholesale lenders
- Rock-solid estimates for rate, fees and monthly payment before you shop
Real numbers. Straight answers. No pressure.
Tell us a little about your goals. Nelson will reach out the same business day with options from dozens of wholesale lenders.
See if you qualify: free, no commitment.
No pressure. Nelson will give you a straight answer about whether this works for your situation.
Why our pre-approval is different
Most pre-approval letters are a quick credit check and a promise. In a competitive Utah market, listing agents know the difference. Our Platinum Pre-Approval reviews your income, assets and credit before you write an offer, so problems surface now instead of three days before closing.
That up-front work is why we can offer a 21-day closing guarantee and an earnest money guarantee: if you lose earnest money because of a pre-approval error on our part, we pay you back.
You'll also get a clear payment estimate at your target price, so you shop with a number you're comfortable with, not just the maximum a lender will allow.
This is a good fit if you…
- Plan to buy in the next 0–12 months
- Want to know your real budget, not a guess
- Are competing against other offers
- Want one person to call from start to finish
What you get with Platinum Pre-Approval
Earnest money guarantee
If a pre-approval error on our part costs you earnest money, we reimburse it.
21-day closing guarantee
Every file is a rush from day one. Ask for the guarantee terms on your consult call.
Clear payment estimates
Rate, fees, taxes, insurance and mortgage insurance, laid out before you shop.
Agent-ready communication
We talk to your agent and the listing agent so your offer looks strong.
Lenders shopped for you
We compare wholesale lenders to find the best fit for your profile.
A teacher, not a salesperson
We explain your options in plain terms and let you decide.
From first call to closing
Book a 15-minute call
Tell us about your goals, timeline and price range.
Share documents
Upload pay stubs, W-2s or tax returns, and bank statements through a secure link.
Get your letter
We review everything and issue your pre-approval, usually within 1–2 business days.
Shop and close
When your offer is accepted, we lock your rate and push to close in 21 days.
Buyers keep coming back
Nelson and Danna did an outstanding job processing everything for my VA loan. They were very quick and responsive, and everything went much quicker than I expected. I was very happy with the rate and fees they were able to get for me.
This is the 2nd time we have worked with them to buy a house… They helped us to ensure that we configured our mortgage the best way possible for our needs. They were in constant contact with us to make adjustments to get us the best deal possible.
I could not have been happier with my experience! Nelson and Danna went way above and beyond… you will get an incredible attention to detail, but most of all you will feel like you're talking to your friends.
Questions we hear often
How long does mortgage pre-approval take?
Most clients get a pre-approval letter within 1–2 business days of sending documents. Simple files can be same-day.
Does getting pre-approved hurt my credit?
A mortgage credit check can cause a small, temporary dip. Multiple mortgage inquiries within a short window are generally counted as one for scoring purposes.
What documents do I need?
Usually your last 30 days of pay stubs, two years of W-2s, two months of bank statements and a photo ID. Self-employed buyers may need tax returns or bank statements instead.
How long is a pre-approval good for?
Typically 60–90 days. We refresh it for free if your search takes longer.
What is the earnest money guarantee?
If you lose earnest money because of an error in our pre-approval, we reimburse you. Ask us for the full terms.
Related options
Ready to see what you qualify for?
Talk with Nelson for 15 minutes. You'll leave with real numbers and a clear plan.