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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.

Man with a cash offer.
Man with a cash offer.
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.

Become a Cash Buyer
Enjoy Lower Broker Rates
Compete with the Power of Cash
Get the Home You Want
Close in Only 10 Days
Why We Love The

Cash Offer Loan

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

Your All-Cash Power Play

Beat Out Other Offers

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

Attention to Detail

$13,000 in Savings, on Average

How Cash Offer Loan Works

Easy, Simple Steps to Get the Home of Your Dreams.

  • Step 1

    Get Cash Approved

    Get a qualified credit pre-approval letter from Nathan Mortgage and a preliminary cash offer loan approval letter. Start home shopping!

  • Step 2

    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.

  • Step 3

    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).

  • Step 4

    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

    How does the cash offer loan program work?

    There are two different closings: A cash closing and a mortgage refinance closing.

    Step 1: Cash closing – provides a cash loan to the borrower to fund their cash purchase. will fund up to 95% of the purchase price with the remainder coming from the borrower’s down-payment. With, 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 cash offer closing.

    How much does it cost the borrower to participate?

    The Cash Compete loan has a 1% fee (of loan amount). As usual, borrowers will also pay title fees, prepaid taxes, insurance, etc.

    Can the borrower move in immediately after the cash purchase?

    Yes, they can! It’s their home and they can move in immediately.

    Who controls the negotiations?

    It’s the borrower’s offer, with’s cash. Just like a typical purchase, the borrower and their agent have control over the negotiations and due diligence (including inspections).

    Is the borrower required to use Homepoint as the mortgage lender?

    Yes, 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 Money Back Guarantee if they do not use Homepoint for their refinance.

    Does the borrower have to bring money to closing? How much?

    Yes, they must bring the agreed upon down-payment and any applicable closing costs (i.e., title, escrow, etc.) per cash-offer agreement.

    How quickly can the cash offer loans close through

    10 Days (from under contract to funding).

    Does the cash offer close in’s name or the borrower’s name?

    The cash offer program will close in the borrower’s name with a 1st lien for

    What happens if the appraised value comes back low during the refinance process? value guarantee will cover the gap in property value and the payoff will be reduced to offset the lower appraised value.

    What type of Homepoint loans are these?

    Conventional (only) Rate-Term Refinance (including High Balance conforming loan limits).

    What markets is offering the cash offer loan program?

    Colorado, California, Washington, Minnesota, and Oregon

    What are the LTV requirements?

    Maximum of 95% LTV.

    5.0 64 reviews

    • Avatar 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.
    • Avatar 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
    • Avatar 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.
    • Avatar 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!
    • Avatar 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.
    • Avatar 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 !!!
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