Certified Buyer Approval for Sam Client – Welcome to Your Mortgage Hub

Hi Sam Client!

Congratulations — you’re officially pre-approved and ready to move forward!

I’m excited to share this next step with you. Everything related to your approval and loan options is laid out in the presentation you’ll see on the right if you’re on a computer, or just scroll down if you’re on your phone.

We’ve included a lot of helpful information here, but please don’t feel like you need to figure it out on your own. Questions are expected. You can text or call me anytime, or use the link in the upper left to schedule directly with me.

A Quick Heads-Up (Worth a Few Minutes)

I’ve recorded a Transaction Cost Analysis (TCA) video that walks through your approval numbers and shows different options if certain situations come up. I highly recommend watching that when you have a moment — it will give you clarity and confidence as you start shopping.

Your Approval Snapshot

• Loan Type: Conventional
• Approval Range: Up to $600,000+ purchase price with 25% down on a 30-year fixed-rate loan
• You are NOT contingent on selling your current home
• You do not need to shop at the top of your range — and you also have room to go higher if needed
• If you’re considering that, just loop me in first so we can confirm the numbers before you go under contract
• Seller concessions can be used to:
• Lower your cash to close
• Fund a temporary rate buydown
• Or permanently reduce your interest rate

Included Resources

• Your Certified Buyer Approval Certificate
• A Cost of Waiting presentation to help with timing decisions

How This Helps When You Make an Offer

When you’re ready to write, I’ll reuse this same presentation and submit it directly to the listing agent.

Here’s what I’ll do:

Update the presentation title with your names and the property address

Adjust the pre-approval letter to match the exact offer amount

Re-record the TCA video — speaking directly to the listing agent

This allows me to clearly show:

• How complete and verified your approval is
• Our financing game plan
• And exactly how we handle potential appraisal issues

This is one of the ways we help your offer stand out quietly but powerfully — especially in a competitive market.



As always, I’m here to guide you every step of the way.

Please reach out anytime — I’m excited to help you move forward wisely and confidently.

Thank you,

Troy Root

Certified Mortgage Advisor