An offer almost too good to be true
Approved to Close Backup Cash Guarantee
Embrace Home Loans certifies the property value and gives the seller a backup cash guarantee of $10,000** — making your bid even better than a cash offer!
- Confidently waive the appraisal and financial contingencies
- Present an offer stronger than cash
- Receive up to $25,000 of earnest money if guarantee is triggered
Property Value Certificate
Embrace certifies the value of the home you’re bidding on, so you can waive the appraisal contingency*. That gives the seller peace of mind — and gives you a better shot at winning the house.
- Strengthen your offer
- Give the seller confidence
- Know how much to bid
Approved to Move
Instead of the standard preapproval or prequal, you have a fully underwritten approval in hand before you start looking for a home — putting you two steps ahead of the other buyers.
- Present an offer that’s as close to cash as possible
- Get the seller’s attention
- Good for 90 days
Guaranteed On-Time Closing (GOTC)
We’re so confident you’ll meet your closing date, we put money on it. With GOTC, if the closing is delayed and it’s our fault — we’ll pay the seller $5,000.***
- Make your offer stand out from the rest
- Give the seller peace of mind
- Enjoy more buying power
*This is not an appraisal and your decision on whether to waive the appraisal contingency is your choice. Doing so may make your offer more competitive. You should carefully consider the risks and council of your real estate professional before making your decision. This is not a credit decision or commitment to lend. Subject to underwriting approval and other conditions.
**Backup Cash Guarantee is a benefit for the seller. If triggered, the seller can either accept a cash settlement or require Embrace to purchase the property. In either case, the buyer receives no ownership interest in the property or other benefit as a result. Embrace Home Loans, Inc. expresses no judgment on the actual appraised value of the property and does not recommend waiving the appraisal contingency in every instance. While it may make your offer more competitive, you should consider the risks and consult a real estate professional before making your decision. Subject to final underwriting approval and other conditions.
Approved to Close is available in AL, CT, DE, DC, FL, ME, MD, MA, NH, NJ, NY, PA, RI, SC, TN, VA, and WV.
***To qualify, borrower must submit requested loan docs within five days of their disclosure. Conventional purchase loans are eligible. Excludes FHA, VA, state housing/bond, renovation, and non-agency loan programs. The close date must be a minimum of 21 calendar days from contract execution date. Seller should contact gotc@embracehomeloans.com to collect the guaranteed $5,000 within 15 calendar days of closing.
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Frequently asked questions
Embrace provides a $10,000 backup guarantee to the seller if your financing falls through, plus up to $25,000 in earnest money if triggered — making your offer even stronger than cash in many cases.
With GOTC, Embrace backs your closing date with a promise: if they cause a delay, they’ll pay the seller $5,000. This gives sellers extra peace of mind and could help your offer rise to the top.
Embrace offers programs like Approved to Move and the Property Value Certificate, which allow you to waive contingencies and present an offer nearly as strong as cash — giving sellers confidence to choose your bid.
The Property Value Certificate means Embrace certifies the home's value upfront, so you can waive the appraisal contingency. This reassures sellers and can make your offer more attractive.
Being Approved to Move means you’re fully underwritten before house hunting, which makes your offer far more solid and reduces the chance of delays — showing sellers you’re ready to close.
