Protect Your Transaction - How To Get Your Contract Accepted

Mortgage and Lending with Amerifirst Financial, Inc. (NMLS #145368) BK-0013635

Protect Your Transaction - How To Get Your Contract Accepted


What is Protect Your Transaction?

We think getting a mortgage is a pretty big deal! So why not dream big with confidence. Protect Your Transaction® moves beyond the industry standard prequalification and preapproval. PYT is an underwritten preapproval that safeguards financing with a monetary assurance. That’s right! A monetary assurance - which represents the lender’s belief in the strength of the borrowers financing! Next to a cash offer, PYT provides the greatest assurance that the lender can provide secure financing.


Buyers Agents


We get that you’re in the business of helping others build dreams.

But we’ve got your best interests in mind, too. Let’s face it.


Traditional prequalification letters are just mortgage mumbo jumbo.

A PYT loan commitment goes above-and-beyond the status quo for your clients by offering the mortgage industry’s gold standard of protection.

With PYT, your client’s loan commitment is fully approved up front by an actual underwriter and safeguarded with a monetary performance assurance.

That’s why PYT offers get noticed! The end result? Buyers achieve the dream of homeownership.


Sellers Agents


As the Seller's Agent, how can you decipher which offer is the best and strongest?

The answer is simple, an offer that includes a PYT Loan Commitment. A PYT loan commitment is underwritten upfront by an actual underwriter., and each loan is safeguarded with at least $15K in performance assurance – and up to $20K for teachers, nurses, first responders and veterans.

The PYT Loan Commitment goes above-and-beyond the standard prequalification and preapproval. Underwriting upfront is the way to go!


The PYT Difference

Life is complex enough, buying your dream home shouldn’t be.

With Protect Your Transaction all of the heavy lifting is done, before a single offer is placed. Borrowers will have an underwritten preapproval — giving them peace of mind that an Underwriter has seen their application from the start.

There’s a better way to get an offer noticed, and that’s with PYT!


Protect Your Transaction Process (buyer)


What’s different about Protect Your Transaction? With PYT, your loan is approved up front by an actual underwriter and safeguarded with at least $15K in performance assurance.

That’s why a PYT Loan Commitment is considered the gold standard of mortgage protection – it shows the seller that the lender believes in the strength of the offer and will stand behind it from start to finish.

Which means no delays or disappointments will stand in the way of your dream home. Now that’s a warm welcome home!

Gather paperwork so we can do the heavy lifting upfront – an underwriter has see your information so you will know exactly what you can afford!

Start your house hunt with a PYT Loan Commitment which gives you confidence and peace of mind.

Present your offer with the PYT Certificate – which demonstrates that you have rock solid financing.


Start your new life in the home of your dreams!


Protect Your Transaction Process (seller)


As a Seller, how can you decipher which offer is the best and strongest? The answer is simple, an offer that includes a PYT Loan Commitment. Protect Your Transaction is an assurance that aims to stand above the rest by offering the mortgage industry’s gold standard of protection during the process of buying and selling homes. Sellers know that the offer on the table is rock solid - you can close the deal more efficiently – with peace of mind each step of the way.


One of the offers on your home has a PYT Certificate with it! Visit the PYT website to verify the certificate.


Enjoy the confidence boost of knowing an underwriter has given the go ahead on the financing of this offer!


Accept the PYT back offer, and all that is left to complete is appraisal and title.

The transaction closes, and you have peace of mind in moving your plans forward.


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Ricky Khamis
NMLS 173141 | LO-0911814 | CA-DOC173141
Branch Manager | Corporate Office
Arizona and California CE Instructor


480-344-1900 office
602-758-7425 mobile
480-339-1615 fax

NMLS 145368 

1550 E. McKellips Rd, Suite 117
Mesa, AZ 85203


Amerifirst Financial Disclosure-  The opinions expressed here are the personal opinions of Ricky Khamis.  Content published here is not read or approved by Amerifirst Financial before it is posted and does not necessarily  represent the views and opinions of Amerifirst Financial.

Comments (2)

Will Hamm
Hamm Homes - Aurora, CO
"Where There's a Will, There's a Way!"

Hello Ricky,  Some lenders are great and up does not get enough information up from.

Jun 17, 2021 08:31 AM
Tammy Lankford,
Lane Realty Eatonton, GA Lake Sinclair, Milledgeville, 706-485-9668 - Eatonton, GA
Broker GA Lake Sinclair/Eatonton/Milledgeville

So does that monetary "assurance" come through if they go buy a new car while the house is pending?   And I have lenders who only give a preapproval once they have put them through underwritting, those are the lenders I trust.

Jun 17, 2021 09:55 AM