Better than a pre-approval.

Our Home Assurance Program allows you to become a fully approved borrower even before making an offer on a home. This not only saves time but also gives you a competitive edge in the market. With mortgage approval already secured, your can make confident offers with peace of mind.
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Additionally, our program offers a choice between a $10,000 Seller Guarantee or a $10,000 Borrower Guarantee*, giving extra assurance throughout the process. Plus, you'll benefit from a $2,000 Close-On-Time Guarantee* to ensure everything stays on track. Reach out today to learn how our Home Assurance Program can make your home buying journey smoother and stress-free!
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Ensured Funding - A Win in Negotiations

You and the seller can both have peace of mind knowing that your financing will be securely in place when it’s time to finalize the deal. Highlighting this assurance can be a significant advantage during negotiation discussions.

Better Than a Pre-Approval

Our mortgage underwriters will review your credit and employment history, debt ratios, down payment, reserves, and other essential documents to secure your financing approval while your future home is still being selected.

Shop with Confidence

Taking this approach boosts your confidence as you navigate the home-buying process, ensuring you feel more secure in your decisions. Additionally, we've observed that it also speeds up the acceptance of offers, making the entire process smoother and faster.

Close on Your New Home Faster

Buyers can close up to 7-10 days faster with the Amres Home Assurance Program. Starting this process early helps us catch potential problems upfront and avoid last-minute issues.

$10k Seller Guarantee
If the buyer fails to qualify for financing after we have issued this guarantee, we will reimburse the seller, up to $10,000 in earnest money for their valuable time and effort.

$10k Borrower Guarantee
Borrowers must maintain qualifying criteria after approval is issued. Reimbursement to the borrower is limited at $10K (for loans over $1M), $7500 for (for loans $500K to $1M) and $5K (for loans $100K to $499K) in a combined total of lost earnest money and appraisal costs.

$2k Close on Time Guarantee
If there are delays caused by us after issuing the Close On Time Guarantee, we will reimburse $100 per day, along with covering the seller’s daily interest costs for each day of delay. However, this guarantee will be void if delays are due to Acts of God, third parties (such as title, appraisal, seller, or HOA), or changes in the borrower’s qualifying criteria after the guarantee was issued.

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^‍‍^‍^{*Legal Disclaimer for Amres Home Assurance Program:}

^{$10K Guarantee to the Borrower:}^{Borrowers must maintain qualifying criteria after approval is issued. Reimbursement to the borrower is limited to $10,000 for loans over $1,000,000, $7,500 for loans between $500,000 and $1,000,000, and $5,000 for loans between $100,000 and $499,000. This reimbursement covers a combined total of lost earnest money and appraisal costs.}

^{$10K Guarantee to the Seller:}^{The guarantee is not valid if either borrower(s) or seller(s) terminate the purchase contract or choose not to consummate the transaction for any reason. The guarantee does not apply to delays in closing for any reason. The borrower’s credit profile, financial status, and employment must remain substantially the same as when the guarantee was issued.}

^{$2K On-Time Closing Guarantee:}^{Borrowers must return all requested documents within 48 hours of the request for this guarantee to remain in effect. All parties will be notified if the guarantee is nullified due to the borrower’s failure to perform. The reimbursement is $100 per day for delays caused by us. Additionally, we will reimburse the sellers for their actual per diem interest for each day of delay that we caused. Delays caused by Acts of God or third parties (including title, appraisal, seller, HOA) or changes in the borrower’s qualifying criteria since the Home Assurance Guarantee was issued will void this guarantee.}

^{Certified Home Buyer Program Disclaimer:}^{The Certified Home Buyer program offered by Amres Corporation is a conditional approval and not a commitment to lend nor a loan approval. It is subject to conditions including, but not limited to, final underwriting approval, investor approval, the financial status and credit report(s) of all applicants remaining substantially the same, an acceptable sales contract on a suitable property, and the property meeting collateral requirements (including appraisal, title, survey, condition, and insurance). The selected loan must still be available in the market, and all lender’s closing conditions must be met, including clear title transfer, appropriate and sufficient title and hazard insurance, flood certification, and any necessary property inspections.}

^{As a responsible lender, Amres Corporation adheres to federal and state lending laws, ensuring equitable access to information, services, and opportunities for all borrowers. This communication is not an offer to enter into an agreement, which can only be made pursuant to specific statutory regulations, including Minn. Stat. Section 47.206 (3) and (4).}

^{This offer is also subject to the terms and conditions stated on the Certified Home Buyer Certificate. The guarantee is null if parties choose not to close the loan or if delays are caused by factors beyond the control of Amres Corporation. This advertisement does not constitute a loan approval or a commitment to lend. Final loan approval and commitment are contingent upon a comprehensive underwriting review.}

^{For New York residents, this site is not authorized by the New York State Department of Financial Services, and no mortgage solicitation or loan applications for properties located in New York can be facilitated through this site.}

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