Here’s how it works: You’ll have a letter to demonstrate to a seller that you can buy their home — and buy it fast. Sellers will know you’re Credit Approved (pending conditions) and that your loan will close quickly! 1. Apply for a mortgage and provide all required documentation, such as W-2s, bank statements, and tax returns. Your credit will be reviewed. 2. Receive buyer letter (Commitment Letter). The buyer letter will notify you that you have Credit Approved status subject to the terms and c