The PYT Difference

Life is complex enough, buying your dream home shouldn't be. With Protect Your Transaction all of the heavy lifting is done, before a single offer is placed. Borrowers will have an underwritten preapproval - giving them peace of mind that an Underwriter has seen their application from the start. There's a better way to get an offer noticed, and that's with PYT!

What’s different about Protect Your Transaction? With PYT, your loan is approved up front by an actual underwriter and safeguarded with at least $15K in performance assurance. That’s why a PYT Loan Commitment is considered the gold standard of mortgage protection – it shows the seller that the lender believes in the strength of the offer and will stand behind it from start to finish. Which means no delays or disappointments will stand in the way of your dream home. Now that’s a warm welcome home!

The Protect Your Transaction Process


Step 1:

Gather paperwork to get a PYT Loan Commitment. We’ve done the heavy lifting upfront – and underwriter has seen your information. You will know exactly what you can afford!


Step 2:

Start your house hunt with confidence and peace of mind.


Step 3:

Present your offer with the PYT Certificate – which demonstrates that you have your financing in place. All that’s left is the appraisal and title!


Step 4:

Start your new life in the home of your dreams!