Thoroughly Reviewed and Underwritten — before you shop.
Most buyers get a preapproval letter and call it done. TRU Approval® is different — it's a fully underwritten approval completed before you find a property. Your file goes through real underwriting, and you come out the other side with cash-level confidence.
Understanding the Difference
Soft review, no docs, no credit pull. Basically a rough estimate.
Automated approval + hard credit pull. Better, but not underwritten.
Fully underwritten by a real underwriter before you shop. Cash-competitive.
Why It Matters
A TRU Approval® tells the seller their deal isn't going to fall apart at underwriting. That's a real advantage in a competitive market.
Most of the underwriting is already done. Once you find a property, you're not starting from scratch.
Surprises in underwriting kill deals. TRU Approval® surfaces issues before you're under contract — when you can actually fix them.
Listing agents know the difference between a preapproval letter and a fully underwritten approval. Your offer stands out.
Typical docs needed:
How It Works
Fill out your complete mortgage application through our secure Blink portal.
A hard credit pull is required for full underwriting — this is what makes TRU different.
Pay stubs, W-2s, tax returns, and bank statements are reviewed by an actual underwriter.
Your complete file goes to underwriting before you've found a property.
Underwriting issues a conditional approval — subject only to the property.
You receive a fully underwritten approval certificate. Now you shop with confidence.
Start your application and we'll walk you through the full underwriting process — before you make a single offer.