TRU Approval®: Your Edge in a Competitive Market
Compete with cash. Win with certainty.
A standard pre approval is not enough in a competitive market. TRU Approval® is a true fully underwritten TBD loan, completed before you shop, allowing you to submit offers without financing contingencies and compete head to head with cash buyers.
Backed by national underwriting strength and delivered by our Rochester team serving buyers since 1992, this is how serious buyers win.
Compete with Cash Buyers with TRU Approval®
Get Fully Underwritten Before You Shop
TRU Approval® stands for Thoroughly Reviewed and Underwritten. Your file is fully reviewed upfront, reducing financing uncertainty and strengthening your offer before you shop. The result is a more competitive position that mirrors the strength of a cash buyer.
Why TRU Approval®?
Compete with cash buyers.
TRU Approval® is a true TBD loan that is fully underwritten and approved before you shop. Credit, income, and assets are reviewed upfront, so your offer carries the weight of a cash bid without a financing contingency.
Move quickly.
Connect with our local team and we will guide you through the process. We gather your documentation, review eligibility, and issue a fully underwritten approval so you know exactly what you can afford before touring homes.
Local expertise, national strength.
TRU Approval® is backed by Sun West’s conditional warranty and delivered through our independent Rochester team, combining national underwriting strength with personal guidance from start to finish.
Stronger Than Cash
Make offers with no loan contingencies. Sellers can accept your bid with the same confidence they’d have with a cash buyer because your financing is already secured and thoroughly underwritten.
Fast, Simple, & Decisive
Skip the guesswork. Our local team reviews your situation, collects documents and secures a fully underwritten TRU Approval® so you can confidently shop.
All Loan Types
TRU Approval® works across any loan program including conventional, jumbo, and investor financing such as DSCR. No matter how you are financing, you can compete with underwriting completed upfront and real confidence behind every offer.
Investor Friendly
Pair TRU Approval® with DSCR and Non QM financing to acquire rental properties, flips, and multi unit investments with speed and certainty. Underwriting is completed upfront so you can compete aggressively while staying strategically positioned.
Your Path to TRU Approval®
Get TRU Approved Today
- Start your application: Contact our Preferred Mortgage Corp. team for one-on-one guidance, or complete our online form in minutes.
- Share your documents: Securely provide income, asset, and property information through our digital portal.
- Receive your approval: Get a TRU Approval® with a conditional warranty or a non-QM approval tailored to your needs.
- Make your move: Shop with confidence, submit stronger offers, and close on properties faster.
TRU Approval® vs. Cash Guarantee
Not all pre-approvals are created equal. While traditional pre-approvals and cash guarantee programs may sound similar, TRU Approval™ through Preferred Mortgage Corp. offers a level of certainty and protection that sets you apart in competitive bidding situations. See how TRU Approval stacks up against other financing options—and why sellers and real estate agents trust it as much as a cash offer.
Your Mortgage Team
As an independent Rochester based mortgage broker since 1992, Preferred Mortgage Corp. has more than three decades of experience serving borrowers in New York and Florida. We work for you, not for a bank, partnering with dozens of lenders, including Sun West, to match you with the right program, whether that’s FHA, VA, USDA, conventional, a non‑qualified mortgage option or investor financing. Our local team knows the nuances of the Monroe County market (and beyond) and provides guidance that is as personal as it is professional. Meet your mortgager broker team below.
Need an edge in a bidding war?
Learn how TRU Approval™ can make your offer as strong as cash.
TRU Approval® is a program of Sun West Mortgage Company, Inc. (NMLS #3277). Preferred Mortgage Corporation of New York (NMLS #44812) is a registered mortgage broker in New York and a licensed mortgage broker in Florida; loans are arranged through third‑party providers. A TRU Approval® offer is subject to credit and property approval and may become void if your financial situation changes. Contact us for full terms and conditions.