Mortgage pre-approval is a promise from a lender that you're qualified to borrow up to a certain amount of money at a specific interest rate, subject to a property appraisal and other requirements. 


Buying a Home? Get a step ahead.

Obtaining a mortgage preliminary approval is a great place to begin when buying a home. But if you want a home purchase offer to stand out to sellers, ask about the Prosperity Buyer Advantage1.

Prosperity Buyer Advantage1

By electing to participate in Prosperity Buyer Advantage1, you will get much of the home financing process out of the way and obtain a Commitment Letter before beginning to search for a home.

What are the benefits?

Complimentary — Choosing to participate costs nothing additional.

Distinguished—A Commintment Letter can set your home purchase offer apart from other offers a seller may be considering.

Smooth—With much of the home financing process completed up-front, additional requirements or conditions can be identified to help prevent last-minute issues.

Flexible —You may have the option of being more flexible with your closing date and also help ensure on-time closing.

1Prosperity Buyer Advantage is not a loan approval. A Commitment Letter is based on information and documentation provided by you and a review of your credit report. The interest rate and type of mortgage used to approve you for a specified loan amount is subject to change, which may also change the terms of approval. The interest rate cannot be locked until your offer to purchase property has been accepted. If the interest rate used for credit approval has changed, you may need to re-qualify. Information provided by you is subject to review and all other loan conditions must be met. After you have chosen a home and your offer has been accepted, final loan approval will be contingent upon obtaining an acceptable appraisal and title commitment. Additional documentation may be required.


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Mark Shooner

Market Manager

NMLS 577408 
Union Centre, OH

Patty Molony

Mortgage Consultant

NMLS 681618 
Fort Mitchell, KY 

RJ Kolodziejski

Mortgage Consultant

NMLS 54145
Fairfield, OH

Sophy Kdep

Mortgage Consultant

NMLS 560609
Florence, KY