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HomeLight Cash Offer™

We make an all-cash offer on your behalf.  That has real value.  Cash offers are 3x more likely to win and buyers get 5% savings, on average, versus offers with a home loan.*

 

How does HomeLight Cash Offer work?

1.  Get approved

HomeLight Home Loans will verify your income, assets, and purchasing power so that we’re ready to make the strongest offer possible – one that’s all cash.

2.  Find your dream home

This is the fun part: You tour homes with your agent until you find the right one.  Don’t have an agent?  Not to worry, we’re happy to recommend one for you.

3.  Make an all-cash offer

We’ll use your funds to make an all-cash offer on the house on your behalf and close in 8 days.  You don’t need to move a muscle.

4.  The offer is accepted

You do the celebrating and we do the buying.  We purchase the home and hold it while you secure financing.


5.  Take ownership and move in

As soon as your loan closes, we sell the home to you at the same price we purchased it plus a small program fee that’s only 1% of the price of the home purchase price.**  Move on in!

What are the associated fees?

When you use HomeLight Home Loans on your new purchase, the HomeLight Cash Offer fee is 1% of the home purchase price.  If you use another mortgage lender, the fee is 3% of the purchase price.  The minimum fee for any HomeLight Cash Offer purchase is $3000.  Additional costs may apply based on local tax laws.  For more information, contact cashclose@homelight.com.

 

Who is eligible?

HomeLight Cash Offer is available to those who fit the following criteria:

  • Credit score of 620 or above
  • Jumbo loans: 20% down, plus reserves
  • Conforming loans: 5% down
  • A max debt-to-income (DTI) ration of 43% for jumbo and 49.9% for conforming

And properties that are one of the following:

  • Single-family home
  • Townhome
  • Condo* (subject to property approval)

 

How do I apply?

1.  Visit homelight.com/cash-close/cash-offer-quiz to submit an application in less than 2 minutes.

2.  Let your HomeLight Cash Offer certified agent know that you have applied.

 

 

HomeLight Trade-InTM

We buy your current home so you can avoid the stress, risk, and hassle of buying and selling at the same time.

 

How does HomeLight Trade-In work?

1.  Get a purchase price

We’ll work with your real estate agent to make an offer on your current home – and guarantee it. That’s the price we’ll pay you for your current home as soon as you’re ready to move into your new home.

2.  Make a strong offer on your new home

When you’ve found the home of your dreams, you’ll be ready to make an offer with no lending or home sale contingency. This means you’re more likely to close and can do so on your own timeline.

3.  Move in on your schedule

Once your offer is accepted, everything comes together in days, not months. We buy your home at the purchase price so you get the cash to close on your dream home and control when you move.

 4.  Get full market value when we sell your home

We work with your agent to list your past home. If your home sells for more than the price HomeLight paid for it, we give you the additional cash minus selling costs and program fees.

What are the selling costs and program fees?

Once the property sells on the market, we deduct our actual selling costs, including: final agent fees, listing prep work paid by Homelight, and property ownership costs incurred during Homelight’s ownership, such as property taxes and utility bills.  We also deduct the program fee, based on how long we have owned the property.

See fee schedule:

All fees are calculated off of the final selling price of the current home.  Additional costs may apply based on local tax laws.  Contact cashclose@homelight.com for more details

 

Who is eligible?

Financing through HomeLight Home Loans is available to those who fit the following criteria:

  • Single-family home, townhome, or condo
  • Credit score of 620 or above
  • Jumbo loans: 20% down, plus reserves
  • Conforming loans: 5% down
  • A max debt-to-income (DTI) ration of 43% for jumbo and 49.9% for conforming

To use HomeLight trade-in, your property must fit the following criteria:

  • Single-family home, townhome, or condo
  • Non-rural
  • Primary Residence
  • Valued between $200,000-$2,000,000
  • Between 1,000-7,500 square feet
  • Has not been listed or sold in the last 120 days

 

How do I apply?

1.  Visit homelight.com/cash-close/trade-in-quiz to submit an application in less than 2 minutes.

2.  Let your HomeLight Trade-In certified agent know that you have applied.

Here’s an example of the economics of a Trade-In transaction:

  • Agent fees are based on the fee you and your agent agree on.
  • Listing prep work is based on a pre-listing inspection of the property and your agent’s recommended prep work to get the home ready for market.
  • Property ownership costs are calculated based on expected property taxes, insurance, utility and maintenance bills, and HOA fees.
  • We hold back 2.0% of the home value to cover our expected program fee.  thought this amount is property dependent and subject to change.  When the Property sells on the market, we true this cost to reflect the actual fee.