Write the offer Sellers say yes to.
A pre-approval letter says you might qualify. A Verified Ready™ Certificate shows you are ready to close. LoanCert reviews your income, assets, credit, and insurance costs before you make an offer, so your offer carries proof instead of promises.
Most deals don't fall apart at the offer. They fall apart after.
Pre-approvals are often issued early, after a light review. Cash to close, insurance cost, and the true monthly payment usually surface after the contract is signed. That late uncertainty is the Trust Gap, and it is why Sellers hesitate on financed offers.
| What gets confirmed | Typical pre-approval | Verified Ready™ Certificate |
|---|---|---|
| Income, assets, employment | Depth varies by lender | Reviewed at the source |
| Cash to close | Often unresolved | Estimated and acknowledged by the Buyer |
| Homeowners insurance | Usually not addressed | Premium estimated up front |
| Monthly payment | Assumed | Acknowledged by the Buyer |
| Who issues it | The lender seeking the loan | A neutral third party, one standard |
Your real numbers, in plain English.
Most Buyers write offers without knowing what the home will actually cost them. LoanCert lays out the three numbers that decide whether a deal closes, so you can see them, ask questions, and confirm you're comfortable before you make an offer.
Estimated monthly payment
Principal and interest, property taxes, insurance, and any HOA or mortgage insurance, added up into one monthly number.
Homeowners insurance
An estimated premium for the price and area you're shopping, so insurance isn't the surprise that stalls your escrow.
Funds to close
Your down payment, closing costs, and prepaid items in one total, so you know exactly how much cash you need on closing day.
These are estimates to help you plan, not a loan offer. Your lender will provide your official Loan Estimate.
Get certified before you shop, not after you fall in love.
Offers that hold together
Sellers want the offer that actually closes. Your certificate shows your financing has been checked before you ask them to say yes.
Know your real numbers
See your estimated cash to close, monthly payment, and insurance cost up front, before you tour homes that don't fit.
No surprises in escrow
Gaps get flagged and fixed now, not three weeks into a contract when the clock is running.
Keep your lender
LoanCert is not a lender. Bring your certificate to any loan officer you choose.
Four steps from upload to certificate.
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01 You: about 15 min
Upload and authorize
Create your account, upload your financials, and authorize a soft credit check and insurance estimate. Files go straight into an encrypted document vault.
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02 Us: 1 business day
We review
Our AI-assisted review checks income, assets, employment, and credit, flags any gaps, and walks you through your cash to close, payment, and insurance cost.
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03 Valid 60 days
Get your certificate
Receive a shareable digital Verified Ready™ Certificate. Send it with every offer. Agents see your readiness, never your bank statements.
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04 Simple renewal
Stay current
New pay stub or statement? Update in minutes and keep your status active for the whole search.
What you'll upload.
Have these ready and the process moves fast. It's the same paperwork a lender will ask for, reviewed once, up front.
- Pay stubs for the last 30 days
- W-2s for the last 2 years
- Self-employed: 2 years of tax returns
- Last 2 months of bank statements, all pages
- Retirement or investment statements
- Gift letter, if family is helping
- Employer name and start date
- Government-issued photo ID
- Authorization for a soft credit check
- Target price and area for your insurance estimate
Free while we pilot.
- Income and asset verification
- Soft credit pull
- Insurance premium estimate
- Verified Ready™ Certificate, valid 60 days
- Everything in Premium
- Seller-facing guarantee
- Buyer Companion™ AI assistant
Questions Buyers ask.
Is LoanCert a lender?
No. LoanCert is an independent verification service. We don't issue loans, loan commitments, or credit decisions, and you are free to work with any lender you choose.
Will this affect my credit score?
No. We use a soft credit check, which does not affect your score.
Who sees my documents?
Your documents stay in a secure vault. Agents and Sellers see your certificate results, not your statements.
How long is my certificate good for?
60 days. If your search runs longer, renewal takes a quick update.
Where is LoanCert available?
We are piloting in California, with more markets to follow soon.
