Our Expertise.
Your peace of mind.
You can breathe a sigh of relief knowing that your home buying or refinance journey is in the hands of seasoned experts with an unmatched guarantee.
Home Buying can be stressful. But it doesn’t have to be.
Choose an easier way for You, Your Family, The Agents, The Sellers
Earnest Money Deposit Guarantee.
Our Earnest Money Deposit Guarantee covers your earnest money against loss, allowing you to make offers that waive finance contingencies day one.
This means you can make stronger offers than other buyers, and get in your dream home.
Get your offer accepted in even the most competitive markets.
Our Process
Obtain your Pre-Approval with Earnest Money Deposit Guarantee in 3 steps.
Get Started
Provide your contact information in the form below. You will be taken to a page where you can complete your loan application through our secure portal. We will follow up to answer any questions you may have, and help complete the application. We will chat about what your goals are, and the easiest way to get there.
Get Pre-Approved
Once your application is reviewed (Same day!) you’ll be given a list of documents to provide that will help us determine the easiest path to a smooth loan approval.
Start Shopping
With a Pre-Approval Letter and Earnest Money Deposit Guarantee in hand, you can breathe easy and shop with confidence. Find the home of your dreams. The upfront work done by our team during Pre-Approval allows our borrowers to enter the process with a sense of relief and certainty. You have done everything right and can shop without the stress. Your home buying experience should be FUN!
Who are we?
We are..
- Current Chief Executive and Chief Strategy officers of one of the fastest growing brokerages in the country. (0 to 400+ loan officers in two years)
- Former Top Account Executive of the #1 mortgage lender in the country.
- Former Processing Leaders for multiple top 1% mortgage originators.
- A team focused on using our expertise to help YOU achieve YOUR housing goals.
Why Work With Us?
Xpert Home Lending hands down made my first home buying experience incredible. As stressful and anxious buying a home can be, Xpert took the time to sit with me and explain every little detail and process thoroughly to make it more comfortable and smooth. Everyone in the office is so friendly and were so happy for me! They were super quick in getting all my paperwork prepared and I can’t express enough how thoroughly they talked me through everything to make sure I understood what was happening. I will continuously use Xpert for life for any property buying!
-Kelsie
From the start I was impressed with the knowledge and responsiveness from Andrew and the team. If you’re like me and are hesitant about who you use as a lender (maybe due to past experiences!) I can attest that this team will do everything possible to get a deal done. If there is an issue along the way, they will not only tell you but also bring potential solutions. Sometimes we can forget how important loan originators and processors are to helping us win and get into our new home - Thank You, Andrew.
-Evan Kaufman
Xpert Home Lending hands down made my first home buying experience incredible. As stressful and anxious buying a home can be, Xpert took the time to sit with me and explain every little detail and process thoroughly to make it more comfortable and smooth. Everyone in the office is so friendly and were so happy for me! They were super quick in getting all my paperwork prepared and I can’t express enough how thoroughly they talked me through everything to make sure I understood what was happening. I will continuously use Xpert for life for any property buying!
-Kelsie
From the start I was impressed with the knowledge and responsiveness from Andrew and the team. If you’re like me and are hesitant about who you use as a lender (maybe due to past experiences!) I can attest that this team will do everything possible to get a deal done. If there is an issue along the way, they will not only tell you but also bring potential solutions. Sometimes we can forget how important loan originators and processors are to helping us win and get into our new home - Thank You, Andrew.
-Evan Kaufman
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Frequently Asked Questions
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What is the Earnest Money Deposit?
The Earnest Money Deposit (or EMD) is an amount of money that is traditionally put down by the buyer of a home when entering into a purchase agreement to demonstrate they are serious to the seller.
Earnest Money Deposits are typically protected by contingencies in the contract, that allow for the buyer to back out under certain conditions. (Example: If the home does not appraise for an amount equivalent to the contract price, or there were concerns with the home inspection).
One of the main contingencies often placed is the Financing Contingency. This is a period of time at which the buyer could back out of a contract and have their earnest money deposit refunded due to the inability to qualify for a mortgage. While this is very important to many buyers to protect their EMD, Sellers would prefer to take offers that do not include finance contingencies.
Enter The Budd Teams Earnest Money Deposit guarantee. Our team allows buyers to make offers that waive finance contingencies day 1, making their offers more attractive to sellers without giving up their earnest money deposit protection. It is Win-Win for everyone involved.
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Why don’t other Lenders offer such a guarantee?
Short answer, they can’t or they won’t.
Our depth of experience allows us to have an extremely high degree of confidence when we provide our borrowers with their Earnest Money Deposit Guarantee. We have advised some of the top loan officers in the nation for years and are well versed in the reasons why a home purchase goes smooth, or why it does not.
We often find that most problems that occur during the transaction are preventable. We subscribe to the old saying “an ounce of prevention is worth a pound of cure.” Doing the Pre-Approval the correct way up front allows us to close loans quickly and confidently. Often times other lenders will issue less robust Pre-Approvals with the plan to “Figure it out” later. Your home purchase is more important than that and deserves a lender that stands behind the Pre-Approvals they make.