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.
At Nathan Mortgage, we strongly believe in community and this cash offer loan product levels the playing field for our buyers.
Gain an Edge Over Other Buyers
Compete with Investors
Access Better Rates and Lower Fees
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
Easy, Simple Steps to Get the Home of Your Dreams.
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 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 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).
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.
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.
Fill out the form below to request a free no-obligation consult with our team to learn more about the cash offer loan.