For real estate agents
What happens to your buyer when you send them here
You already know what a bad lender referral costs you. The letter that turns out to be a prequalification. The buyer who finds out in week three that the income does not calculate the way somebody assumed. The call you have to make to a listing agent explaining a delay that was avoidable.
I am Jeff Moran, NMLS #483943, originating since 1996 through C2 Financial Corporation out of Bluffton. This page is not a pitch to partner. It is the answer to the only question you actually have about a lender: what happens to my buyer, and will it embarrass me.
Your buyer can do most of it before they ever call me
Live pricing sits on the homepage with no form in front of it. No credit pull, no account, no phone number. A buyer can see rates for their scenario, run their debt ratio, and price closing costs anonymously — and then decide whether they want a conversation.
For you that means a buyer who arrives at your showing already knowing what payment they want to live with, instead of one who is discovering it at the worst possible moment.
And there is one built for you rather than for them
The closing cost estimator for agents prices a buyer's cash to close for the state they are actually buying in — from that state's own statutes and filed schedules, not a national average — and separates the lines the seller customarily pays. In several states the largest single charge at the closing table is not the buyer's, which is worth knowing before the offer rather than after.
Nothing to sign up for and no email asked. Print it, or hand it to a client.
The letter means what it says
A real pre-approval here means the work happened: credit pulled and read, income documented and calculated the way an underwriter calculates it, debts taken off the report. A prequalification is called a prequalification.
No letter from anyone is a loan commitment — final approval always depends on the property, the appraisal and full underwriting. But a letter that overstates what was reviewed helps nobody, least of all the agent whose name is on the contract.
Your buyer sees the whole rate sheet, not one rate
Most lenders advertise a single rate. Every loan actually prices off a sheet with a range on it — lower rates that cost more up front, higher rates that pay money back toward closing costs. Your buyer sees those options side by side and picks the line that fits their situation, with the fee named in dollars on the quote.
That tends to shorten the part of your transaction where a buyer is quietly wondering whether they should be shopping.
When an offer meets resistance
It still happens, and it happens most on VA. The folklore says VA closes slowly, that VA appraisals kill contracts, that VA buyers are risky. In this market that filters out some of the strongest buyers on the board.
If your buyer's offer is running into it, I will call the listing agent directly. It is usually a short call. More on VA here.
Relocations, where most lenders can only do half the job
A client moving between states is often selling in one and buying in another, and the rules genuinely change at the line — who conducts the closing, which transfer taxes exist, who customarily pays for the owner's title policy.
I am licensed in 14 states, so that is one conversation instead of two lenders who do not talk to each other. Where I lend, and what changes in each.
What I will not do
- Send your buyer a letter on a file I have not actually reviewed.
- Tell a client a file is stronger than it actually is.
- Pressure anyone. Every tool on the site is optional and works just as well if they take it to another lender.
Common questions
What does a pre-approval from Solverya actually mean?
Income documented and calculated the way an underwriter calculates it, debts pulled from the credit report rather than from memory, and credit reviewed. Not a prequalification issued on a conversation. If a file has not been reviewed, the letter does not go out.
How fast can my buyer get a letter?
The application runs about fifteen to twenty focused minutes once a rate option is selected. How quickly the letter follows depends on how fast documents arrive; a client with pay stubs, returns and asset statements ready is typically a day or two rather than a week.
Which states can you take my referral in?
14: Alabama, Alaska, Arkansas, California, Georgia, Illinois, Kansas, Maine, Minnesota, Missouri, South Carolina, South Dakota, Wyoming, Louisiana. That matters most on a relocation, where a client is often selling in one state and buying in another and needs one lender who can work both ends.
Will you talk to me directly during the transaction?
Yes. Direct line, and that includes calling a listing agent on your buyer’s behalf when an offer is meeting resistance — which happens most often on VA files, where the objections are usually outdated rather than accurate.
What happens if my buyer is not ready yet?
They get told that plainly, along with what would change it and roughly how long that takes. A client who is eight months out is worth more to both of us prepared than rushed into a letter that does not survive underwriting.
Send your buyer to the numbers, not to a form.
Live rates for their scenario, the whole sheet side by side, and every closing fee — no credit pull, no account.