Lending Concepts closes over 95% of our pre-approved loans. We utilize in-house processing which means your loan is both approved and funded locally. This allows us to be more flexible which results in faster and more efficient processing and our exceptional rate of mortgages funded. When a buyer is pre approved, the process allows the buyer to be confident they will qualify for the purchase amount they are pre approved for and the pre approval should make their offer stronger in the eyes of the seller.