We perform a full review of income, assets, and credit before issuing a letter. Our pre-approvals aren't 'hopeful estimates' — they are verified numbers that survive underwriting.
A Lender Who Protects Your Deals — Not Just Closes Them
You deserve a partner who answers the phone, anticipates hurdles, and delivers on closing day. We don’t just process loans; we protect your reputation.
- Real pre-approvals — not pre-quals
- Proactive updates (you hear from us first)
- On-time closings, protected contracts
- VA, FHA, DSCR, Construction — all in-house
The Problems Most Agents Know Too Well
Lenders can kill deals in many ways. Here is how we solve the most common frustrations.
The Silent Lender
"Pre-approval issued, then radio silence. You're chasing updates on appraisals and clear-to-close while your client is left in the dark."
Our Approach: Proactive milestone updates - you and your buyer hear from us first, every time.
The Fake Pre-Approval
"Letters based on soft pulls and self-reported data that collapse in underwriting. You lose the deal and your reputation takes a hit."
Our Approach: Verified pre-approvals — we review income, assets, and credit before issuing a single letter.
The Underwriting Surprise
"Last-minute conditions that are impossible to resolve, pushing back closing or killing the deal entirely in week 3."
Our Approach: In-house underwriting — we identify and solve potential hurdles in the first 48 hours.
The Late Closing
"Moving trucks are booked, but the lender needs 'just 5 more days.' Sellers get angry, and buyers panic."
Our Approach: On-time delivery — CTC issued with plenty of runway to ensure a smooth, scheduled closing.
How We Operate: The Buyer's Journey
From initial inquiry to funding, here is exactly what you and your buyer can expect from Kyle Jessee & Team.
Verified Same-Day Pre-Approval
We don't guess. We collect pay stubs, W-2s, and bank statements upfront to issue a pre-approval that actually holds weight with sellers.
Immediate Contract Execution
Once a contract is signed, we move. Appraisals are ordered and Loan Estimates are issued within 3 business days. No delays.
Proactive Milestone Tracking
Appraisal ordered? You'll know. Conditional approval? You'll get the list. We communicate every win and every step automatically.
In-House Problem Solving
As a direct lender, our underwriting is in-house. Complex files don't get stuck in a queue; they get solved by our internal team.
Every Buyer You Send Us Has Options
We aren’t a one-product shop. We have the tools to get almost any qualified buyer to the table.
VA Home Loans
$0 down, no PMI. We handle the complexities of VA appraisals and COE processing in-house.
FHA Loans
3.5% down with flexible credit. Perfect for first-time buyers and those using assistance programs.
Conventional
Competitive rates for strong profiles. Primary, second home, or investment properties.
First-Time Programs
Access to various down payment assistance grants to help your buyers get to the table.
Construction
One-time close options. We handle builder verification and offer rate-locks during the build.
DSCR Investor
No W-2 required. Qualify based on property cash flow. Ideal for your investor clients.
Bank Statement
For self-employed buyers with complex taxes but strong deposits. 12-24 month statement options.
Realtor Resources
The more you know about the lending side, the more you can protect your deals and guide your clients with confidence.
Pre-Approval vs. Pre-Qual
Understand the critical difference that protects your contracts.
Pre-qualification is based on self-reported information — income, debts, assets — without any document verification. It takes 10 minutes and is worth very little in a competitive offer situation.
Pre-approval (real pre-approval) means the lender has pulled credit, reviewed pay stubs, W-2s, bank statements, and confirmed the buyer’s income and assets. The number on that letter reflects what the buyer can actually borrow and what underwriting will actually approve.
TBD Pre-approval is when one of our in-house dedicated underwriters reviews all the borrowers documentation, sets a pre-underwritten limit to their purchasing power, and provides an initial conditions list so you can go in with an offer with zero financing contingencies. Just as good as an all cash offer!
VA Loan Myths Debunked
What every agent needs to know to protect veteran offers.
Many realtors still believe VA loans are slow, complicated, or limited in flexibility—but that couldn’t be further from the truth. VA loans often close just as fast as conventional ones, offer incredible benefits for veterans, and don’t require a down payment. Plus, VA appraisals focus on fair market value and property condition—not perfection—helping ensure veterans buy safe, quality homes. Understanding these facts helps you better serve more military buyers and stand out as a trusted pro!
Closing Timeline Reality
What actually happens in a 21-30 day closing cycle.
At Movement Mortgage, our 6-7-1 process focuses on speed to closing. 6 hour initial underwrite, 7 day processing to get all conditions back to the underwriter, and 1 day to go from conditions submitted to clear to close. The goal is simple, faster approvals allows our partners to focus on bringing in new business not following up on their current files. On average, we are closing our purchase loans in under 21 days.
Complex Income Solutions
How we get self-employed and investor buyers to the finish line.
Not every buyer fits the standard W-2 box. These are buyers other lenders often pass on — and buyers we can typically find a path for:
- Self-employed buyers: Bank statement loans use 12–24 months of deposits instead of tax returns. Strong revenue, complex write-offs — no problem.
- Investors buying rental properties: DSCR loans qualify on the property’s rental income — no W-2, no DTI calculation, close in LLC.
- Veterans with credit challenges: VA guidelines allow more flexibility on credit than conventional. We work with veterans to find a path where conventional lenders decline.
- Buyers who need down payment help: Our in-house DPA programs provide 3–5% in grants and second liens. We identify which programs your buyer qualifies for before the offer goes in.
- Buyers building, not buying: One-time close construction loans — land, build, and permanent mortgage in a single closing. VA construction available for veterans.
We're Lenders, Not Competitors.
Our job is to make every transaction run smoothly and to make YOU look like a hero to your buyers.
Direct Access
Reach me directly, not a call center. Real answers on your timeline.
Buyer Education
We ensure your clients show up to closing informed and calm.
Annual Reviews
We track past buyers for upgrades and send those referrals back to you.
VA Expertise
We help you protect veteran offers from unfair discounting.
Ready to Partner?
The best way to evaluate a lender is to run a deal with them. Send us a buyer and watch how we handle it.
- Same-day verified pre-approvals
- On-time closing guarantee
- Proactive milestone communication
Realtor FAQs
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What makes your pre-approvals different?
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How fast can you turn around a pre-approval?
For buyers who submit their documents promptly, we typically issue a verified pre-approval the same business day. We know speed wins in this market.
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Can I have two VA loans at once?
Yes, it is possible to have more than one VA loan at a time using your remaining entitlement. This is common when a veteran moves and keeps their previous home as a rental.
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Do you work with buyers who were declined elsewhere?
Often, yes. Many big banks have limited products. Because we have access to niche programs like DSCR and Bank Statement loans, we can often find a path where others couldn't.
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How do you keep me updated during the deal?
You'll receive automated updates at every major milestone: application, appraisal order, appraisal receipt, conditional approval, and clear-to-close. No more 'checking in'.
- KYLE JESSEE LENDING TEAM
- MOVEMENT MORTGAGE
184 Duke of Gloucester St Suite 1B, Annapolis, MD 21401
NMLS #1212644 | Kyle.Jessee@movement.com