The pre-approval letter, ready in minutes — any property, any hour.
Your buyer falls in love with a house at 9pm on a Sunday. In the old world you chase the loan officer and hope. With Larry's team, the letter is already waiting — exact property, exact price, signed and ready to attach to the offer.
Powered by Offer Ready · run for Larry's partners at New American Funding
Offers are won after hours. Letters used to only be issued in them.
Houses get found on evenings and weekends — exactly when the old letter process goes dark. Same buyer, same night, two very different endings:
The old way
Sunday night. Your buyer texts: "we want to write."
The Offer Ready way
Same buyer. Same night. Different ending.
One real pre-approval. Guardrails set by Larry. Letters on demand.
This is not buyers approving themselves — every letter draws on a full pre-approval Larry has already underwritten, inside limits he personally sets for each buyer:
Your buyer gets fully pre-approved with Larry
A real pre-approval, done once — income, credit, the whole file. This is the foundation every letter stands on, and it's why the letters hold up with listing agents.
Larry sets each buyer's guardrails
Maximum price, eligible loan programs, issuance rules — configured per buyer in Offer Ready before anyone touches a letter. The system can never issue outside what Larry has approved; standard scenarios generate without waiting on anyone, and Larry reviews anything unusual.
Letters on demand — every property, every hour
You and your buyer generate letters whenever the market moves — each one carries the exact property, exact price, monthly payment and cash-to-close breakdowns, branded to Larry's team and ready to attach to the offer.
The actual product — in motion.
These are Offer Ready's own product demos, running on Larry's system. What you see is what your buyers get:
Model any offer in real time
Type in the property and price — the payment, the cash to close, the whole money picture updates as you watch.
Issue the letter instantly
Exact property, exact price, exact terms — branded, signed, and ready to send with the offer. Not tomorrow morning. Now.
Compare loans side by side
Different prices, different programs, different down payments — your buyer sees the paths next to each other and chooses with confidence.
Access that never closes
Buyers and agents work the system directly, at any hour — standard scenarios never wait on lender availability again.
Run the numbers your buyers will see on every letter.
Every Offer Ready letter carries the full money picture — monthly payment broken down line by line, plus estimated cash to close. Try it right here:
Your scenario
Defaults are illustrative. PMI estimated at 0.55%/year when down payment is under 20%. Your buyer's real numbers come from Larry's team with their actual file.
Illustrative estimates for education only — not a loan offer, not a commitment to lend, and not pre-approval. All figures depend on the full file: credit, income, property, program. Pre-approval through Larry's team is subject to underwriting review.
Everything the letter desk does — without the desk.
Offer Ready is the platform; Larry's team is the engine behind it — the pre-approvals, the guardrails, the reviews, the phone that still answers:
Letters that match the offer
Every letter carries the exact property and exact price your buyer is offering — not a generic "up to" number that listing agents discount.
The full money picture
Monthly payment broken down — principal, interest, taxes, insurance, PMI — plus estimated cash to close, on every letter. Buyers write offers knowing exactly what they cost.
Guardrails set by Larry
Max price, eligible programs, issuance rules — locked per buyer before day one. The system cannot outrun the pre-approval, so every letter it issues is one Larry stands behind.
No phone tag, ever
Standard scenarios generate without waiting on lender availability — nights, weekends, holidays included. Anything unusual routes to Larry for review, not to voicemail.
Offers that land harder
A verifiable letter with real numbers attached makes your buyer's offer look like what it is — serious, prepared, and ready to close.
The whole pipeline, visible
Track every buyer's shopped price ranges and activity in one live dashboard — so "how's my buyer doing" stops being a text thread.
"In today's market, speed matters. With Offer Ready, I can get updated numbers and approval letters for my buyers at any hour. That responsiveness has helped me win multiple-offer situations and build stronger relationships with listing agents. This tool is a game changer for agents who want to operate at a higher level."
The agents who already work this way — on the record.
Published testimonials from agents using Offer Ready with their lenders, on myofferready.com — the same platform Larry runs for his partners:
"My clients feel more secure and informed because we're never scrambling for numbers or documentation. Offer Ready ensures they're fully prepared before we write an offer. It creates a smoother process, less stress, and stronger offers. Partnering with a lender who uses this tool has absolutely helped me grow my business."
"As an agent, my reputation depends on how prepared my buyers are. Offer Ready gives me immediate access to accurate numbers and approval letters whenever I need them. It allows me to present clean, strong offers with confidence. If you want to scale your business and stand out, this is the kind of lender partnership you need."
"When my lender uses this tool, my buyers always have numbers in hand and approval letters ready to go at a moment's notice. It gives my clients confidence and gives me an edge. If you're serious about growing your business, you need a lender who offers this level of preparation."
Testimonials are Offer Ready's published customer quotes (myofferready.com), lightly trimmed for length; individual results are not a guarantee. They describe the platform, not Larry's team.
Every letter stands on Larry's pre-approval.
Experience.com 4.96 (95) · Google 4.8 (42) · Zillow 5.0 (18)
Larry Steinway has spent 30+ years in mortgage lending — from a small Chicago brokerage to Regional Sales Manager / VP of Residential Lending at New American Funding, with multiple Chairman's Award years for annual production exceeding $100 million. Offer Ready on Larry's team means the letters are fast and the file behind them is real — fully underwritten, reviewed by a lender whose reputation rides on every letter that carries his name.
"Anyone can email a PDF. This is a pre-approval system that works the same hours your buyers do."
The questions agents always ask.
Is this a real pre-approval? +
Yes. Every buyer starts with a full pre-approval through Larry's team — income, credit, the complete file, underwritten the traditional way. Offer Ready then issues letters within the limits of that pre-approval. The letter is fast because the work behind it was already done, not because the work was skipped.
Who can generate letters? +
Larry's agent partners and their buyers, each within the guardrails Larry sets per buyer — maximum price, eligible programs, issuance rules. The system cannot issue anything Larry hasn't pre-approved the buyer for, and anything outside standard scenarios routes to Larry for review.
What does it cost me or my buyers? +
Nothing. Larry provides Offer Ready access as part of his lending partnership with his agents — the platform subscription is his, the pre-approval work is his team's. Your side is showing up with buyers who write stronger offers.
My buyer isn't pre-approved yet. Now what? +
That's step one, and it's the easy part: send them to Larry (or request access below and Larry will reach out). Once the pre-approval is in place, the letters, comparisons and payment breakdowns unlock for every property they shop.
Does this replace the loan officer? +
No — it's Larry's system working the hours Larry can't. The platform handles the standard scenarios around the clock; Larry and his team handle the file, the guardrails, the reviews, and the phone when you actually need a human. You get both: the speed of software, the accountability of a 30-year lender.
What do listing agents see? +
A branded, professional pre-approval letter specific to the property and price your buyer is offering, with the monthly payment and cash-to-close picture included. It reads as what it is — a buyer whose lender did the work before the showing, not during it.
Get your buyers Offer Ready.
Request access and Larry's team will set you up — your buyer gets pre-approved, guardrails go in, and the next Sunday-night letter is yours in minutes. No cost, no obligation.
Larry Steinway · NMLS #223579 · 5225 Old Orchard Rd, Suite 20, Skokie, IL 60077
