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 tonyg@atlanticbay.com or (704) 778-6205.