Welcome former American National Bank customers. Click here to learn more about your transition to Atlantic Union Bank.

Certified Buyer Pre-Approval Program

Make a confident offer for the home you want.

What it means to be “certified”

Our Certified Buyer Pre-Approval Program is not your standard pre-qualification. We will fully underwrite your loan to determine how much you could be approved for by verifying your information and documentation.

Consider becoming a Certified Buyer when you're ready to start looking for a home, so you can write an offer with the confidence of already being approved. This can make you as attractive as a cash buyer when negotiating for your home and may even make the difference between your offer being accepted over another!

As a Certified Buyer, you can benefit from: 

  • Closing your loan in as little as 10 business days after pre-approval.
  • Competing directly with cash buyers by receiving an approved loan commitment, subject only to property-specific information, before making an offer.
  • Having access to our Lock-and-Shop Program, which guarantees your rate for 60 days. If rates decrease, you may be eligible to take advantage of a lower rate*. You can lock in your rate even before you find a home.  
  • Alleviating the need for a financing contingency. 

Ready to get started? 

Contact your Atlantic Union Bank Mortgage Loan Officer or click Purchase Loan Inquiry below. 


*The current interest rate plus .125% with no float down fee. Lock-and-Shop is available only on portfolio programs. 

This is not a commitment to lend or extend credit. All loans, credit and collateral are subject to approvals. Terms, rates, data, programs, information and conditions are subject to change without notice. Not all loans or products are available in all states. Specific program restrictions may apply, so please consult your dedicated  Mortgage Loan Officer for complete details.

Additional resources

How else can we help?

Help With An Existing Loan

Talk to Us About a New Loan

Talk with a Mortgage Loan Officer

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