Most lenders run a credit pull and call it a pre-qual. We fully underwrite your file before you make an offer. Here is what that costs them, and what it earns you.
Both conversations start the same way. Both end with a piece of paper. Only one of them holds up when an offer goes in. Start your underwritten pre-approval →
A surface-level look. Useful for a price range. Not strong enough to win a contract.
A real loan commitment, vetted by an underwriter before your offer ever goes out the door.
"Pre-approved" should mean a human underwriter has read your file and signed off on the numbers. On most lender desks it does not. On ours it does, every time. Meet the team behind the letter →
W-2s, recent pay stubs, two months of bank statements, federal tax returns, and a government ID. Self-employed buyers add P&Ls. We tell you exactly what we need.
An actual human reads your file. Income calculated. Assets sourced. Liabilities reconciled. Credit reviewed line by line. Not a chatbot, not an algorithm alone.
If anything needs cleaning up before close (a deposit to source, an address mismatch, a tax-return year), you know now. Not the day before signing.
A real pre-approval letter, on Integrity Home Mortgage letterhead, signed and dated. The letter listing agents recognize, on a contract that holds up.
Listing agents read pre-approval letters every day. They know which lenders close on time and which ones do not. They know which letters are five-minute pre-quals and which ones came back from underwriting before the offer was written.
When a Realtor sees Jonathan Sweat's name on a letter, they know one thing for certain: the deal will close. Same team start to finish. Direct line to the loan officer. No call-center handoffs. No three-week-out surprises that put the contract at risk.
That recognition is why Realtors across the Roanoke Valley and Tampa Bay refer their buyers here. It is why offers backed by our letter compete in multi-offer situations. It is the brand asset.
"When I see Jonathan's name on a pre-approval letter, I tell my seller the same thing every time: this one will close."
[PLACEHOLDER · awaiting attribution from a real referring agent]
Three scenarios we see weekly. The strength of the letter is the difference between an offer that gets accepted and one that gets buried under the file. For Realtors overview →
An online lender drops a pre-qual letter at midnight. No underwriter reviewed it. The listing agent has seen letters from this shop fall apart at financing contingency. The seller picks the underwritten letter instead.
Underwritten letter winsSame price, same close date, same earnest money. One letter is a five-minute pre-qual. The other came back from underwriting two days ago. The seller takes the offer that will not blow up at the appraisal.
Underwritten letter winsSeller wants to close in 21 days. A pre-qual buyer cannot promise that, the file has not been underwritten yet. Our buyer can. The underwriter has already reviewed the income, the assets, the credit. We close on the seller's timeline.
Closes on timeThe Consumer Financial Protection Bureau publishes a clear, plain-English explainer on the difference between pre-qualification and pre-approval. Read it before you sign anything from anyone, ours included.
The four questions every buyer wants answered before they hand over their tax returns. Have other questions? →
Direct answers for Realtors checking a letter, fielding a question from a seller, or sending a buyer over for the first time. For Realtors overview →
Most buyers are fully underwritten in 48 hours. From there, you shop with confidence and your offer carries the weight Realtors recognize. The next step is the application. The conversation starts the same way it always has, with a real person.