How this could help you win the house in a bidding war

In the ever-evolving landscape of real estate, one thing remains constant: demand is high, and supply is still low. The decrease in interest rates has opened the door for many prospective buyers to take a second look at the market, resulting in sustained high demand. However, this surge in interest doesn't necessarily solve the persistent inventory problem. In such a competitive environment, being prepared and leveraging innovative programs is crucial to making your offer stand out.

TBD Underwriting

As a prospective buyer or listing agent, having the cleanest possible offer is paramount. That's where To-Be-Determined (TBD) Underwriting comes into play. 

TBD underwriting provides a unique advantage by allowing a full underwrite before the property is even chosen. This not only demonstrates the strength of the borrower but also validates their approval based on specific parameters. While it doesn't guarantee the purchase, it adds a layer of confidence to both buyers and sellers.

Property Value Certificate

In the fast-paced world of real estate, time is of the essence. That's why Embrace Home Loans' proprietary program, the Property Value Certificate, is a game-changer. Before submitting an offer, they can pre-evaluate and potentially issue a value certificate. This offers a level of protection and assurance for the buyer, especially in situations with lower down payments.

The Property Value Certificate allows the lender to stand behind the borrower, waving financing and appraisal contingencies. This not only instills confidence in the buyer but can also give them a competitive edge in a bidding war. It's a powerful tool to streamline the process and expedite the closing timeline.

If you’re thinking about buying or selling anywhere in Northern Virginia, contact us today! 


In a market where demand is soaring and inventory is scarce, strategic planning and innovative programs are essential. TBD underwriting and the Property Value Certificate are powerful tools that not only set your offer apart but also provide a level of assurance and protection for both buyers and sellers. 

This blog and any information contained herein are intended for general informational purposes only and should not be construed as legal, accounting, financial or other professional advice.  We take great efforts to ensure the accuracy of information contained here. However, we will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice and/or legal counsel with respect to any matter discussed or published on this blog.  This blog is not intended to solicit properties.


HOME is more than a place with a roof over your head. It is a place of comfort, love, warmth, rest and security – “HEARTH”. We want to help you reach that place. Hence, our mission at The Royster Hearth Group is simple – Serve Our Neighbors, Not Ourselves.  We work hard to serve you in every aspect of the home-selling and -buying process.

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