Almost Home
Alderus Mortgage a dba of Lower, LLC | NMLS #1124061 | Branch NMLS #2291934 | 5950 Symphony Woods Road, Ste. 301, Columbia, MD 21044 | nmlsconsumeraccess.org | Equal Housing Opportunity
Speed Up the Loan Process for a Faster Closing
Are you on the hunt for your dream home, and you and your realtor have put in several offers, only to find that offer after offer have been denied? One of the biggest problems in the real estate market for buyers right now is getting their offer accepted. And that’s exactly what the Almost Home program is designed to address. Alderus Mortgage’s four-step process for getting a loan approval increases buyers’ chances of getting an offer accepted by 54%!
With our Almost Home program, you can get approved for a mortgage before you start the house-hunting process. Through us, you’ll receive a credit decision before you make an offer on a home, so you’re not over-promising on offers or looking at homes you’re not sure you can afford. You already have your credit approval in hand when you make an offer. This lends credence to your offer and allows you to close a loan more quickly.
Here are just a few of the advantages provided by the Almost Home loan program:
- We provide you with a full commitment letter, not just a pre-qualification
- There’s no application fee
- FHA, VA, and Conventional loans are eligible
- Almost Home can be applied to both existing homes and new construction financing
Because your loan is underwritten and approved beforehand, Almost Home increases your likelihood of finding a home in this incredibly competitive market. The preapproval gives the seller the confidence that your client is serious and can follow through with their offer.
Your file is completely underwritten by professionals with years of experience in the industry. Almost Home helps you compete with cash buyers, closing within 14-21 days–with no loan contingency. We always make sure the appraisal report is sent back within the due diligence period so your deposit is protected. After approval from the Almost Home program, the only outstanding items will be related to the property itself; these being the appraisal, title work, and homeowners’ insurance.
For more information about the Almost Home program, check out this video from our co-founder, Coby Baker. Reach out to us at 702.255.5783. We can’t wait to get you into the home of your dreams.