Three Letters That Will Strengthen Your Offer

Tony Garshnick, senior mortgage planner at Atlantic Bay Mortgage Group

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WAXHAW, NC – It’s common to browse homes online, get inspired and then contact a real estate agent to take a look at those homes. Often times your agent will require that you are pre-qualified to ensure that you are not looking outside what you can afford.

Now imagine going to a lender before you contact an agent and before you get your heart set on a home. Imagine getting a conditional loan approval with a dollar amount you are qualified for before even picking out a house. This process is called TBD.

Not all lenders offer TBD. In today’s highly competitive environment, TBD provides a tremendous advantage for home buyers. Atlantic Bay Mortgage is proud to offer this service.

T – Take away the guesswork by knowing how much you qualify for and what information you’ll need to proceed

B – Beat the seller’s expectations by closing in under 27 days on average

D – Deliver the next best thing to a cash offer to give you the advantage in a multiple offer scenario.

With upfront underwriting, you get conditional approval from the mortgage company, sometimes within just a few hours. Sellers can receive multiple offers on a single property. Conditional approval can give you an edge up on competitive offers on a house. The TBD process helps you stand out from the crowd.

For more information on the TBD Process contact Tony Garshnick at or (704) 778-6205.


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Tony Garshnick
Tony Garshnick believes in faith, family and a rock-solid financial foundation. He helps individuals and families across the Carolinas realize the American dream of home ownership in a thoughtful and responsible way. Tony is a mortgage planner with his eye on clients' overall financial picture as much as their home loan. He is also passionate about helping those who make their communities and their country better. In his free time, Tony volunteers at his church and enjoys being with his wife and two daughters.