How It Works

Our Certified Buyer Program™ is a multi-faceted tool that assists in showcasing you as a superior buyer and helping your offer stand out. Upon completing a loan application with Penrith, you’ll provide current credit documentation to receive a fully-underwritten Pre-approval, clearing credit conditions. This Pre-approval is good for 90 days*. Additionally, this Pre-approval comes with an attached guarantee to close on time.

Features of the program:


We work with you and your agent every step of the way to strategically position you for success.


By clearing all credit conditions, we can close on your home in as little as 21 days.


With our Certified Buyers, we’re so sure we’ll close on time, if we can’t, we’ll pay you and the seller. Our guarantee provides substantial financial safety and eliminates stress.

It’s a program designed to get you home.

*Pre-approval is valid 90 days from the date of most recent submitted documentation.

**Guarantee commences 21 calendar days from mutual acceptance of fully executed Purchase and Sale Agreement and authorization to order appraisal. Guarantee not available if Buyer changes or agrees to change of loan program, or if there is a material change in the Buyer’s income, assets, or credit profile. Guarantee not available to Buyers or Sellers that are not natural persons, are licensed real estate agents, or are employed by or affiliated with a real estate service provider. In the event a Guarantee payment is to be made, payment will be made by check and cannot be credited to the costs or down payment associated with this transaction. Multiple Buyers or multiple Sellers shall receive only one Guarantee payment. Loan must close by the Guarantee expiration date. Guarantee shall not apply if closing date is not met due to delays caused by Buyer and/or Seller. Guarantee contingent upon timely receipt of escrow, title, and appraisal acceptable to the lender, investor, and insurers. Loan must receive final loan approval by Private Mortgage Insurer (if applicable).
WMS Series LLC dba Penrith Home Loans WA‐CL 713524, OR‐ML 5271