TRU Offer blue and white home

TRU Offer

In today’s market, a mortgage pre-approval is simply ordinary, but a TRU Offer stands out. Offers backed by TRU Offer are fully credit, income, and asset underwritten and approved, so you can feel confident that your offer will get noticed when you find your dream home.

Make your offer extraordinary

How it works

  1. Submit your loan application along with your income, credit, and asset documentation to be fully underwritten

  2. Work with our production team to provide any outstanding items to our underwriter

  3. Receive your TRU Offer approval certificate to submit with your offer

  4. Shop for your dream home and make an offer

  5. Coordinate TRU Offer Consultation with your Real Estate Agent

  6. Close quickly and smoothly

The TRU Offer Difference

  • Competes with cash offers

  • Know how much you can afford

  • Expedited and on-time closing backed by our Tru Offer closing guarantee once your offer is accepted.

  • May be able to remove financing contingencies from purchase contract*

TRU OFFER Closing Guarantee

When we promise to close on time, we back that promise up with a $1,500 Closing Guarantee. Our Closing Guarantee means all borrower qualification requirements have been met (as of the date of the Guarantee). We won’t assume liability for things over which we have limited control (e.g., acts of God, appraisal delays, title defects or property repairs), but we will work closely with all parties to the transaction to ensure PenTrust Mortgage Group is not at fault for a missed closing date.

*The following conditions are required for closing: No changes to income, asset, or credit profile prior to closing. Satisfactory property and title review are required.

Don’t just make any offer – make a TRU Offer on your dream home.

Reach out to your loan officer to get started!

Find a Loan Officer

Terms and Conditions: Available for qualifying borrowers who have received a TRU OFFER letter of approval. All terms and conditions listed in the TRU OFFER apply. Borrowers’ creditworthiness, employment and financial position must not materially change prior to closing; otherwise, the TRU OFFER and Closing Guarantee become void. The appraisal must be received, and the loan locked, at least 10 days prior to the closing date. The Closing Guarantee is void if the closing date can’t be met for reasons outside of PenTrust Mortgage Group’s control. These reasons include, but are not limited to: 1) Borrower requested changes (e.g., closing date, loan program or terms, etc.), 2) Delays caused by force majeure events (e.g., weather or natural disaster), appraisal disputes, improvements or repairs to the subject property, completion of new construction, or because items on the title report or credit report need to be removed or cleared, 3) Delays caused by the borrower, the seller or third parties, 4) Delays associated with a condominium project review, 5) Delays associated with a condominium project review. If a closing guarantee payout is warranted, the borrower will receive a $1,500 lender credit towards closing costs at loan settlement.

This material is informational only and not an advertisement to extend credit as defined by TILA/Regulation Z nor an application for credit as defined by RESPA/Regulation X. All applications are subject to underwriting approval and determining applicant’s ability to repay. Not all applicants are eligible for or qualify for all loan products offered. All loan programs, terms and conditions are subject to change without notice. Rates and terms are valid as of the date of printing/distribution.