Our partnering lenders are able to return with so-called pre-approved offers (also called in-principle-approved offers) to the applicant. For final approval, the lender has to perform a credit check and obtain supporting documents. The pre-approved offer is still a strong indicator of how the final offer will look. After the credit check is done and the documents are submitted, you always have the opportunity to negotiate the pre-approved offer to get a larger loan amount or better terms, or reject the offer altogether.