Summit Funding Advisors

Real Estate Agents: Not All Preapproval Letters Are Created Equal

You've seen it happen — your buyer writes a strong offer, gets it accepted, and then... the financing falls apart at the 11th hour.

The culprit? A weak preapproval that was really just a prequalification in disguise.

Here's what separates a real preapproval from a paper one:
✅ Full credit pull — not just a soft check
✅ Income & assets verified — pay stubs, W-2s, tax returns, and bank statements reviewed
✅ Underwriter eyes on the file — not just an LO's gut check
✅ DTI calculated against actual program guidelines — not a back-of-the-napkin estimate

At Summit Funding Advisors, every preapproval letter we issue is backed by a fully reviewed file. When your buyer hands a seller our letter, you can write that offer with confidence — because we already did the work.

Want preapprovals that actually hold up when it matters? Let's talk. Your next deal deserves a lender who has your back.

Contact Us by Email: https://sfaloans.com/contact/
- Or -
Call Us: 404-835-6500

Summit Funding Advisors, LLC
2675 Paces Ferry Rd SE
Suite 450
Atlanta, Georgia 30339

Summit Funding Advisors LLC NLMS #947748
GA Lender License #35285
FL Lender License
SC Lender License #947748
TN Lender License #947748

🏡 Tired of paying someone else's mortgage? Let's talk about making the leap from renter to homeowner.

If you've been thinking "maybe this is the year," here's what you actually need to get started — no jargon, no pressure:

✅ Steady income (2 years of history helps) — W-2, 1099, self-employed... we work with all of it.
✅ A credit score of 580+ — Yes, really. You don't need perfect credit to buy a home. Many of our buyers are surprised they qualify.
✅ Some money saved — Down payments can start as low as 0–3.5% with the right loan program (FHA, VA, USDA, conventional). Closing cost help is often available too.
✅ A manageable debt-to-income ratio — Generally under 43%, but there's flexibility.
✅ A pre-approval letter — This is step one before you ever tour a home. It tells you your real budget and makes your offer competitive.

Here's the part most renters don't realize: your monthly payment as an owner is often close to (or less than) what you're paying in rent — and you're building equity instead of a landlord's.

We'll walk you through every number, every option, and every "what if" — at no cost and no obligation.

💬 Contact us today and let's run your numbers. Your future home might be closer than you think.

Contact Us by Email: https://sfaloans.com/contact/
- Or -
Call Us: 404-835-6500

Summit Funding Advisors, LLC
2675 Paces Ferry Rd SE
Suite 450
Atlanta, Georgia 30339

Summit Funding Advisors LLC NLMS #947748
GA Lender License #35285
FL Lender License
SC Lender License #947748
TN Lender License #947748

🌸 Spring Buying Season Is Here — Protect Your Time with a True Pre-Approval 🏡

Thinking about buying a home this spring? One of the smartest first steps you can take is getting a true pre-approval — not just a quick online pre-qual.

A fully underwritten pre-approval means:
✅ Your income, credit, and assets are reviewed
✅ Your buying power is confirmed
✅ Your offer carries more weight with sellers

In today’s competitive market, a strong approval letter can be the difference between losing out and getting the keys. 🔑

Before you start touring homes, make sure you’re set up for success. Let’s protect your time and put you in the strongest position possible from day one.

Contact Us by Email: https://sfaloans.com/contact/
- Or -
Call Us: 404-835-6500

Summit Funding Advisors, LLC
2675 Paces Ferry Rd SE
Suite 450
Atlanta, Georgia 30339

Summit Funding Advisors LLC NLMS #947748
GA Lender License #35285
FL Lender License
SC Lender License #947748
TN Lender License #947748