Confidence to Close. Guaranteed.

If we can't close your mortgage, we pay the seller $1K - no strings attached.

Ross Mortgage Guaranteed Pre-Approval

Today's housing market is among the most competitive in history, with double-digit sale price increases and a sharp drop in supply compared to pre-pandemic levels.

In a seller's market where even the most modest of homes receive multiple offers, buyers need an edge to make theirs stand out.

That's why we're introducing the Guaranteed Pre-Approval from Ross Mortgage.

A Guaranteed Pre-Approval is a commitment to lend. It starts with a Ross Mortgage underwriter reviewing your income, assets and credit and approving you for the right sales price and loan amount. Since we verify your creditworthiness and approve the funds, the seller can accept your offer with the full confidence of getting the deal done.

But we don't stop there. To confirm our commitment to lend, we put our money where our mouth is. If we can't close the mortgage, we will pay the seller $1,000. Not a gimmick, just confidence in the way we do business.

Learn More About
Guaranteed Pre-Approval

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Tim Ross

"The Guaranteed Pre-Approval from Ross Mortgage isn't a gimmick, it's simply confidence in the way we do business. The program ensures that sellers interacting with Ross-backed buyers enjoy a timely, guaranteed closing...or we'll put our money where our mouth is."


- Tim Ross, CEO

Ross Mortgage

Why Ross Mortgage?

Founded in 1949, Ross Mortgage combines 70 years of mortgage lending experience with state-of-the-art mortgage lending technology. As a full-service mortgage lender, Ross delivers superior service and pricing to our customers since, as a lender, we possess underwriting authority and retain control over the entire transaction. What this means to you is that you can depend on Ross Mortgage for competitive rates, quality service, fast response and no surprises. Headquartered in Troy, Michigan, Ross is one of the top independent lenders in the Midwest and serves its valued customers through a network of offices located in Florida, Kentucky, Michigan, North Carolina and Virginia.

What Our Clients Say About Ross Mortgage

"I was getting frustrated making a competitive offer when many desirable homes were going to full cash offers, in sometimes less than one day," said Keith Rohrer, a recent Ross Mortgage client. "Leveraging the Guaranteed Pre-Approval Program was a game changer for my home buying experience, allowing me to put together a more desirable offer within my budget. The offer was accepted and closed quickly without complications."

"Ross Mortgage does a great job. They worked closely with me on my mortgage and always kept me in the loop as to the next steps. I highly and enthusiastically recommend their team!" - Jeremy D.


"The team at Ross Mortgage was awesome. As first-time homebuyers, it was nice to have such a great experience. We would recommend Ross Mortgage to anyone." - Morgan S.


"Ross Mortgage provides excellent value and extremely efficient customer service. I've used them multiple times and have never felt I could have done better. They are a great team, and I highly recommend them." - Michael W.

What Our Team Says About Guaranteed Pre-Approval

"I've had two offers accepted while using the new Guaranteed Pre-Approval Program.  In both cases the listing agents said the Guaranteed Pre-Approval was instrumental in getting the offer accepted. This program should not only allow us to capture more deals but also allow our Ross loan officers to develop more referral sources." - Tim Merritt, Loan Consultant

"An agent I'm working with said that they were thrilled with the idea that we had already put it through underwriting and were motivated by having a quicker close because of it. This agent is new to me but loves the program already and said she will be sending buyers my way to take advantage of this offer." - Grace Ragan, Loan Officer