Decision First

Decision First®

Get a Mortgage Approval Before You Buy

Decision First®

Get a Mortgage Approval Before You Buy

Decision First®

EPM’s Decision First® Program completely reverses the mortgage process by pre-underwriting your loan upfront and providing a mortgage approval BEFORE you buy.

A Decision First® approval identifies any challenges early on and prevents problems and delays after you sign a contract.

CONTACT A MORTGAGE LOAN ORIGINATOR TODAY

Decision First® saves time by providing:

Fully pre-underwritten approvals prior to signing a contract

Pre-processing of yourloan application

Closing documents delivered 48 hours priorto closing

Funds wired 24 hours prior to settlement

Put the buying power in your hands BEFORE you begin your home search with Decision First®. Start the process towards homebuying with certainty and peace of mind.

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Advantages of Pre-Underwriting

Provides a Formal Loan Approval

Unlike a simple prequalification, a Decision First® pre-approval requires a formal pre-underwriting review and delivers a loan approval in advance. A prequalification is a scratch of the surface while a Decision First® pre-approval looks under every stone and leaves no doubt about your ability to qualify for a mortgage.

Expedite the Transaction

A Decision First® pre-approval gets you further down the field before you sign a contract. Formal pre-underwriting provides a conditional loan approval in advance of buying or refinancing a home and allows for faster closing times.

Make Your Offer Stronger

A Decision First® pre-approval makes your offer stronger in a competitive market, prevents delays and speeds up the overall loan process. Getting the loan approval before signing a contract makes your offer more attractive to sellers and allows you to compete with cash buyers.

Eliminate Stress

A Decision First® pre-approval removes and doubt about your ability to qualify for a mortgage and eliminates any last-minute surprises. Beginning the transaction with your mortgage approval securely in place makes more sense and provides peace of mind.