Sellers
Get access to your equity up-front before you sell
Cash to Win purchases a property owned by the client to facilitate proceeds for a purchase of another property.
What You Get
- Fast equity access (7 - 14 day close)
- Ability to buy your next home now
- Optional stay in home for 60 days
How Our Trailing Property Program Works
Buyers
Compete with an all-cash offer
Cash to Win purchases the property the borrower wants by making a Cash Offer and then re-sells the property
to the buyer.
This Program Is For Borrowers With:
- Primary, Second, and Investment properties
- Acceptable FICO scores
- Acceptable down payment and reserves
How Our Cash Purchase Program Works
1
Buyer Gets Full Loan Approval
Client gets pre-approved with a certified Cash to Win Loan Officer. This is much more in depth than a pre-qualification as the client obtains underwriting approval.
2
Find A Home
Client goes out shopping with their realtor to identify the home they want to place an offer on. The major benefit here is that the real estate agent can shop with a cash offer.
3
Cash to Win Makes Offer
Cash to Win makes a cash offer on behalf of the client with no appraisal contingency and provides proof of funds to accompany the offer.
4
Offer Accepted
Offer accepted! Borrowers obtain home inspection during the inspection period. If they agree to proceed, borrowers will execute a resale agreement prepared by Cash to Win.
5
Cash to Win Closes On The Property
Cash to Win closes on the property within 14 days. Appraisal is ordered and the Certified Loan Officer continues to process the client’s permanent financing.
6
Buyer Takes Ownership
Cash to Win turns and sells the property to the client who has established permanent financing with a Certified Cash to Win LO and closing is completed.
Frequently Asked Questions
How the Cash To Win program works for buyers and sellers
What is the Cash to Win program?
The Cash to Win program allows homebuyers to make cash offers, making them more competitive in the housing market. The program funds the purchase upfront, and the buyer then finances the home after closing.How does the Cash to Win program work?
Buyers get pre-approved, submit a cash offer backed by the program, and upon acceptance, the program purchases the home. The buyer then secures a mortgage to buy the home back.Why is a cash offer better than a traditional mortgage offer?
Cash offers eliminate financing contingencies, reduce closing times, and increase the chances of getting an offer accepted, especially in competitive markets.Who is eligible for the Cash to Win program?
Eligibility typically requires pre-approval for a mortgage, a minimum credit score, and sufficient income. Each program may have different requirements.What types of properties are eligible for the Cash to Win program?
Eligible properties usually include primary residences, and sometimes second homes or investment properties. Some programs exclude condos or manufactured homes.What happens if I need to sell my current home before buying a new one?
Some programs offer a “buy before you sell” option, where they purchase your new home first and give you time to sell your existing one.Do I need to get pre-approved before using the Cash to Win program?
Yes, pre-approval is required to ensure buyers qualify for the mortgage needed to repurchase the home after the cash offer is accepted.Is a home appraisal required when using the Cash to Win program?
While a cash offer may not require an appraisal, securing a mortgage to repurchase the home typically does.Can I still negotiate the purchase price if I use the Cash to Win program?
Yes, buyers can still negotiate the price, but cash offers often give them stronger leverage in negotiations.What if my mortgage doesn’t close on time after the cash purchase?
Some programs offer a grace period or leaseback option, allowing buyers to temporarily rent the home while finalizing financing.Can I use this program for new construction homes?
Some programs allow cash offers on new builds, but buyers should check with their lender to confirm eligibility.Is there a maximum loan amount for this program?
Loan limits vary by program, location, and buyer qualification. Checking with a program representative can clarify loan limits.What happens if I decide not to buy the home after the program purchases it?
Depending on the program, buyers may face penalties, be required to pay a fee, or lose their earnest money deposit.Can I make an offer above asking price with the Cash to Win program?
Yes, buyers can offer above asking, but they should ensure they qualify for the financing required to repurchase the home at that price.How does this program compare to bridge loans?
Unlike a bridge loan, which is temporary financing, a cash-backed offer provides full funding upfront, allowing for a more seamless transition to permanent financing.How do I get started with the Cash to Win program?
Buyers should start by getting pre-approved through the program’s lender, then work with their real estate agent to submit competitive cash offers.What makes this a “true” cash offer?
Cash to Win uses its own funds to purchase the home on your behalf, making the offer as strong as any investor or institutional buyer. It’s not a loan pre-approval—it's real cash at closing.Do I still need to get financing?
Yes. You’ll secure your own financing through a Certified Lending Partner after the home is purchased by Cash to Win. Once your loan closes, the home is transferred to you.Will I still get to choose my agent and lender?
Absolutely. You can continue working with your preferred real estate agent, and we partner with Certified Lenders to ensure a smooth process.How fast can I close?
We close in as little as 14 days. This speed helps your offer stand out and compete with other buyers.What if my financing falls through?
Because you’re fully underwritten before the offer is made, the risk is low. However, if your financing doesn’t come through, the agreement outlines fallback options and potential costs.Can I sell my home without listing it first?
Yes. Our program allows you to sell your current home directly to Cash to Win, giving you access to your equity before putting it on the market.How much money will I get up front?
Typically, you receive around 65% of your home’s value as an initial advance. The remaining funds are released after we resell the property, minus applicable fees.Do I have to move out immediately after the sale?
No. Sellers can stay in the home for up to 60 days while they shop for a new property—as long as the home is actively being marketed.What happens if my home sells for less than expected?
If the final resale price is lower than Cash to Win’s purchase price, the difference is reflected in your final payout. All costs are outlined transparently before closing.Can I use this program if I’m relocating or downsizing?
Yes! This program is ideal for sellers in transition—whether you're upgrading, downsizing, or relocating. It gives you the freedom to buy your next home without financial delay.Can Cash to Win be used as a backup plan just in case my home does not sell traditionally?
Yes absolutely! We can draft up a scenario for your home (and even get it contracted with us) just in case you don’t sell your home in time for your next home purchase.How fast can we close on Cash to Win?
Within 7-10 days, allowing time for title to gather all the necessary information to finalize the transaction. We time the closing date alongside the closing of your new home purchase.What value do you use for determining the price of my home?
We ask your Realtor for a Comparative Market Analysis to review, along with their confirmation of what the home will be listed at and opinion of the final sales price. Additionally, we do our own overall review of the property and area.What % of the price you are buying my home for, is held back?
We look at each scenario individually and tailor the structure in the most beneficial way to accommodate your needs. The minimum amount held back on all transactions is 30%.What is the hold back for?
The holdback is for the cost associated with selling the home and program fees as well as to cover any price reductions or concessions, so they come out of the holdback instead of your pocket, or ours.Why is there a range in the holdback amount?
Every home and location are different. We are trying to help you be in the best financial position to sell your current home and purchase your next one.Who lists my home to sell?
We sign a listing agreement of no more than 6 months once we own the property with the Realtor of your choice. We stay in close contact with the Realtor through the process to ensure clear communication and progress.Am I, the former owner of the home, still involved when the house sells to a traditional buyer after the fact?
Yes, absolutely. Within the first 60 days of the listing period, we will not accept an offer without your written approval. After this timeframe, we continue close communication with you and the Realtor.When are the holdback funds released back to me?
Once the final sale of the home is completed, the title company wires the net proceeds to Cash to Win. Then the team reaches out to review the final holdback and send funds to you.Who carries insurance on the home while it’s listed to sell to a traditional buyer?
Cash to Win carries insurance as the legal owner. The premium is deducted upfront and refunded proportionally based on the months not used if the home sells early.Can I cancel my Insurance Policy?
We suggest keeping your insurance until your belongings are moved out (within 30–60 days). Then you may cancel it, as Cash to Win has obtained coverage.Who maintains the utilities?
You must continue power and water service for inspections and appraisals. You are responsible for the bills. Communicate any water shutoff and reset instructions for air conditioning.Who pays and takes care of the maintenance on the home?
You must maintain the home (e.g., lawn care) until the final sale. We recommend keeping any home warranty in place. First impressions help with sale price.Who pays the Property Taxes and HOA dues as applicable on the home?
We suggest you pay these ongoing expenses. If unpaid, they are deducted from the final holdback.Why is this program offered?
This program bridges the gap between selling and buying a home. It helps families avoid stress and is priced far below iBuyer models. We're not trying to profit, just cover our costs.Do you always buy the home a seller needs to sell?
No, some homes pose too much risk due to condition or location.What about repairs to a home that need to be sold before a homeowner can buy the next one?
We recommend completing repairs before listing, based on your Realtor's advice. A home inspection must be submitted to Cash to Win before finalizing purchase.What are the overall costs for using the program?
1.5% program fee, 0.5% listing extension per 60 days, daily per diem at 9% interest, real estate commissions, closing costs, prorated insurance premium, and deductions for price reductions or repairs.What are the costs for using the program?
Cash to Win will gross up the sales price they acquire the property at by 1% for the resale price to you. There is a daily per diem based on 9% interest only from the date Cash to Win acquires the property to the date you close on your permanent financing to purchase the property from Cash to Win.What Types of Properties are Eligible?
Single Family Residence, 1-4 Unit Properties are acceptable. Condominiums, Townhomes and Manufactured Homes are considered on a case by case basis.
"This helped my clients move forward faster and financially secure"