Cash Offer Loan
A loan that acts as a cash offer.
As an independent mortgage broker, Nathan Mortgage has early access to this new loan product in partnership with Homepoint.
Cash Offer Loan
Available exclusively through Nathan Mortgage— a loan that acts as a cash offer.
As an independent mortgage broker, Nathan Mortgage has early access to this new loan product in partnership with Homepoint.
Cash Offer Loan
At Nathan Mortgage, we strongly believe in community and this cash offer loan product levels the playing field for our buyers.
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Gain an Edge Over Other Buyers
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Compete with Investors
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Access Better Rates and Lower Fees
Your All-Cash Power Play
Win the right home at the right price with a cash offer loan.
Cash Offers Are 4X More Likely to Win
Close In as Few as 10 Days
Use Your Preferred Real Estate Agent
$13,000 in Savings, on Average
How Cash Offer Loan Works
Easy, Simple Steps to Get the Home of Your Dreams.
Get Cash Approved
Get a qualified credit pre-approval letter from Nathan Mortgage and a preliminary cash offer loan approval letter. Start home shopping!
Make an All-Cash Offer
Make an all-cash offer on a home with a short-term cash offer loan. The short-term cash loan provider will provide you with an estimated home valuation before your appraisal.
Close with Cash, and Then with Homepoint
Close your cash offer loan in as little as 10 business days. Then, Nathan Mortgage will assist you in completing a request to Homepoint for a conventional refinance mortgage. (This is how you’ll pay off the cash loan).
Enjoy Your New Home
Once you close with “cash” (cash offer loan) you can move in— which could be as soon as 10 days after you make the all-cash offer.
Frequently Asked Questions
There are two different closings: A cash closing and a mortgage refinance closing.
Step 1: Cash closing – Accept.inc provides a cash loan to the borrower to fund their cash purchase. Accept.inc will fund up to 95% of the purchase price with the remainder coming from the borrower’s down-payment. With Accept.inc, the borrower can close as a cash buyer in as little as 10 days without any financing or appraisal contingencies.
Step 2: At the mortgage refinance closing, the borrower refinances their short-term cash loan into a permanent mortgage. The Homepoint refinance takes place within 30 days of completion of the Accept.inc cash offer closing.
The Cash Compete loan has a 1% fee (of loan amount). As usual, borrowers will also pay title fees, prepaid taxes, insurance, etc.
Yes, they can! It’s their home and they can move in immediately.
It’s the borrower’s offer, with Accept.inc’s cash. Just like a typical purchase, the borrower and their agent have control over the negotiations and due diligence (including inspections).
Yes, Accept.inc has a Wholesale partnership with Homepoint to provide the borrower with this cash offer program. If the borrower chooses to use another mortgage lender, they may be liable for additional costs and fees. They will also be ineligible for the Accept.inc Money Back Guarantee if they do not use Homepoint for their refinance.
Yes, they must bring the agreed upon down-payment and any applicable closing costs (i.e., title, escrow, etc.) per Accept.inc cash-offer agreement.
10 Days (from under contract to funding).
The cash offer program will close in the borrower’s name with a 1st lien for Accept.inc.
Accept.inc value guarantee will cover the gap in property value and the Accept.inc. payoff will be reduced to offset the lower appraised value.
Conventional (only) Rate-Term Refinance (including High Balance conforming loan limits).
Colorado, California, Washington, Minnesota, and Oregon
Maximum of 95% LTV.
5.0 64 reviews
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Abilene Lozano
★★★★★
6 months ago
My husband and I applied for a mortgage with Nathan Jennison. I have nothing but good things to say about our experience with him. This man knows what he's talking about. He's quick and you can tell he loves his job. He spoke … More with us for a while making sure that we understood everything, giving us examples of similar situations and made us both feel like he was a long time friend. I'll definitely be recommending him to friends and family.
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slowandnasty
★★★★★
6 months ago
Nathan and his team are number 1 in my book. They are professional and quick. I called told them I was in the market for refi, explained my situation and got started the same day. If you can keep up with what they need and answering back … More on email quickly like i did! Three weeks tops. will always be a returning customer. Thank you, Nathan Mortgage
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Mark Leach
★★★★★
a year ago
We are very happy with our new mortgage! The process was quick, efficient and relatively painless. Everyone we dealt with was really responsive and professional. You have a great team and we will definitely recommend you to anyone we … More know who is thinking of refinancing.
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Hanh-Nhi Baik
★★★★★
a year ago
We felt like we were in the best hands during a crazy housing market. We found Nathan Jennison when we quickly went under contract and realized we needed a more competitive interest rate at the last minute. In addition to helping us lock … More in a lower rate, we required a quick closing date which he was able to pull off successfully. Throughout the process, he provided exemplary customer service by being immensely communicative every step of the way providing immediate updates and answering all of our questions in a quick manner. He worked tirelessly to help us close quickly at the best rate with no hiccups. We will be using Nathan again for future deals and highly recommend him and his team!
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dapo fadeyi
★★★★★
a year ago
I can't thank Nathan and his team enough for their help with my refinance. Nathan and the team are knowledgeable, responsive, and went above and beyond to help get my refinance closed.
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jack claridge
★★★★★
2 years ago
I Jack Claridge and Marive Dawkins are very happy to have Nathan and his staff help us with our very difficult mortgage . I think we put his whole staff to the test and they got us approved in time to close . So we will advise people that … More need financing to go to Nathan and his coworkers , they will go above and beyond to get it done !!!
Fill out the form below to request a free no-obligation consult with our team to learn more about the cash offer loan.