Greenlight+ is a fully underwritten pre-approval — your loan is approved before you make an offer, not after. We back it with a $5,000 seller guarantee and a 14-day closing commitment. Sellers see your offer the way they see cash, and you win bidding wars at 2–3% below the top offer.
Get My Greenlight+ Letter
In multiple-offer Florida markets, sellers don’t always pick the highest bid — they pick the most certain one. Greenlight+ makes you the most certain bidder in the room, often winning at a lower price than your competition.
Listing agents know up to 1 in 5 financed offers fall through in underwriting. Greenlight+ removes that risk because the underwriting is already done — only property-side items remain. Routinely beats higher offers with standard financing.
If we cause the closing to be delayed or fail, the seller receives $5,000. This commitment goes into your offer documents, giving sellers a contractual fallback against financing risk. Often the deciding factor in close offers.
From contract acceptance to closing day in two weeks. Appraisal, title, insurance, and final conditions all run on a streamlined timeline because the loan file is already approved. Faster than most cash deals.
Credit, income, employment, and assets verified by a full underwriting team before you start shopping. You shop with a real commitment, not a wishful pre-qualification letter that may fall apart later.
The legal distinctions matter — this isn’t just better marketing on a standard pre-approval letter.
Standard pre-approval: a loan officer reviews your credit and stated info, issues a letter. Full underwriting happens AFTER contract. Greenlight+: a full underwriting team reviews credit, income, employment, and assets BEFORE you offer. The letter is a real commitment, not an estimate — with the $5,000 guarantee backing it.
Credit pulled and analyzed (hard pull). Income documented via W-2s, tax returns, or non-QM alternatives. Employment verified through verbal and written VOE. Assets verified through 2–6 months of statements. Debt-to-income calculated precisely. All conditions of the loan program (FHA, conventional, VA, jumbo, non-QM) confirmed.
Three things remain after contract acceptance: (1) appraisal supports the purchase price, (2) title insurance binder issues cleanly, (3) no material change in your financial condition. As long as those clear, the loan funds. The 14-day timeline assumes these go smoothly — the $5,000 guarantee covers OUR delays, not appraisal disputes or title issues.
Conventional (Fannie Mae, Freddie Mac), FHA, VA, USDA, jumbo, and most non-QM products (bank statement, DSCR, asset-based). Greenlight+ doesn’t change the underlying loan terms or guidelines — it just runs the underwriting upfront. Your rate, term, and program are all standard for whichever loan type you use.
House hunting in a hot Florida market? Get Greenlight+ before you start touring — your offer strength makes the difference. 48–72 hours from application to commitment.
Start My Greenlight+How sellers actually evaluate financing terms in competing offers.
| Greenlight+ | Standard Pre-Approval | Pre-Qualification | All-Cash Offer | |
|---|---|---|---|---|
| Underwriting Done Upfront | Yes — full review | No — after contract | No — soft check only | N/A (no loan) |
| Seller Guarantee | $5,000 if we delay/fail | None | None | Earnest money only |
| Typical Time to Close | 14 days | 20–30 days | 25–35 days | 7–20 days |
| Risk of Falling Through | Highly unlikely | ~10–15% | ~30%+ | Very low |
| Seller Confidence Level | Cash-equivalent | High | Low | Highest |
| Wins Competing Offers | Often, at 2–3% below top | Often against cash | Almost never against cash | Usually wins |
| Available to Most Buyers | Yes — standard borrower qualifications | Yes | Yes | No — requires liquid funds |
Front-loads the work so you shop with a real commitment in hand. Most borrowers complete it before they start touring homes.
Full mortgage application, including all income and asset documentation. Hard credit pull (this is a real loan file, not a soft-check pre-qual).
W-2s, tax returns, pay stubs, bank statements, asset accounts. For self-employed: business statements, P&L, or non-QM alternatives. Everything that would normally happen post-contract, happens now.
Our underwriting team reviews the complete file — the same review that would happen after contract on a standard loan. We confirm program eligibility and loan amount.
You receive a Greenlight+ commitment letter with $5,000 seller guarantee language and 14-day close commitment. Letter is ready to attach to offers.
House-hunt with confidence. When you find the home, submit your Greenlight+ offer. After acceptance: appraisal, title, final conditions clear in 14 days, you close.
The upfront work is real. If you’re just exploring, a standard pre-qualification is faster. Greenlight+ is for buyers who are ready to compete and ready to close.
The questions Florida buyers ask most before choosing Greenlight+. Don’t see yours? Ask Alex directly.
Alex Doce has helped thousands of Florida buyers compete against cash offers over 38 years — with Greenlight+ Verified Pre-Approval, you offer like cash and close like cash. Send us your situation and we’ll start your underwriting today. No obligation through the application; commitment letter delivered within 72 hours.
*Greenlight+ pre-approval is based on a full review of the borrower’s creditworthiness and is contingent upon there being no material changes in the borrower’s financial condition or creditworthiness at the time of final loan approval. Final loan approval is subject to the following conditions: (1) borrower has identified a suitable property, and a valid appraisal supports the proposed loan amount; (2) a valid title insurance binder has been issued; and (3) borrower selects a mortgage program. The $5,000 seller guarantee applies if closing delays or failures are caused by the lender.
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