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What makes Approved to Move™ different?

Being Approved to Move™ means you’re presenting the seller with an offer virtually as good as cash. We do all the paperwork up front, so you have a fully underwritten approval even before you find your dream home. To sellers, that makes you a Very Important Buyer, indeed.

With many pre-approvals, you get a generic maximum purchasing budget based on a pull from a credit bureau. It’s usually not fully underwritten, and it’s only good for 30 to 60 days.

With Approved to Move™, all your information is verified – bank records, tax statements, income, assets, credit scores – giving you an offer as close to cash as possible and good for 90 days.

When you work with Embrace, we strive to make your mortgage experience as seamless as possible. You'll work with one dedicated loan officer who'll walk you through the entire process step-by-step. We take care of every detail and process, underwrite, close, and fund all loans in-house.

So let us help you secure your future Home Sweet Home. We’ll make the mortgage process as comfortable and easy as possible, and get you Approved to Move™ so you can stand out from the crowd and help improve your chances of landing the house you’ve always wanted.

Other Pre-Approvals

  • Not a fully underwritten offer
  • Based on pull from credit bureau,
    not verified documentation
  • Good for 30 to 60 days

Approved to Move™

  • Fully underwritten approval
  • Verified bank records
  • Verified tax statements
  • Verified FICO
  • Verified credit scores
  • Verified income and assets
  • Verified debt-to-income ratio
  • As close to cash offer as possible
  • Good for 90 days
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Frequently asked questions

How long does the mortgage process take?

The time needed to complete the mortgage process varies by customer and lender because it includes gathering information from a customer, verifying that information, and processing the actual loan. The average amount of time to close on their home purchases is 47 days across all loan types, according to Ellie Mae. Purchase loans generally take longer to close than refinance loans by an average of 12 days. Factors such as the loan type and contract dates can affect closing times.
Short answer — no! It’s actually smarter to get started on the process before you find your dream home. Other lenders offer pre-qualifications. But our Approved to Move™ program gives you much greater bargaining power, because it’s the next best thing to a cash offer, which will make you very appealing to sellers. 
A simple first step in the mortgage process is getting pre-qualified. Embrace Home Loans can pre-qualify you over the phone or online. We’ll go over your information and discuss your goals. Shortly thereafter you’ll get your pre-qualified amount — the amount for which you might expect to be approved for a loan.
Pre-approval is more involved and carries more weight than pre-qualification.  With Embrace, this process will be as simple and streamlined as possible so you can start finding your new home. We’ll calculate the specific mortgage amount for which you are approved. You'll also have a better idea of the interest rate you will be charged on the loan and, in some cases, you might be able to lock-in a specific rate. With pre-approval, you will receive a conditional commitment in writing for an exact loan amount, allowing you to look for a home at or below that price level. Obviously, this puts you at an advantage when dealing with a potential seller because it’s clear you are very close to obtaining the financing you need.
Everyone's financial situation is different, so it’s important to figure out what you can comfortably afford to borrow, which depends on four factors:
  • Your debt-to-income ratio (your total monthly payments as a percentage of your gross monthly income)
  • Cash you have available for a down payment and closing costs
  • Your credit history
  • The value of the home you’re buying
How much home can YOU afford? Use our handy mortgage calculator and find out!
"Karla always has our best interests in mind and is so easy to work with!" - Carlos, MD
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