Buying has never been so simple

Work with Frontgate Real Estate to access the savings, certainty, and speed of cash - for free - so you’re more likely to win your dream home.

How HomeLight Cash Offer® works

Get fully cash approved

Before you and Frontgate Real Estate search for a new home, it’s important to be prepared to buy the house you fall in love with. HomeLight will do all the work upfront to evaluate you for the program and, if approved, underwrite you in full to empower you to make a HomeLight Cash Offer.

Make a Cash Offer on your new home, and win it

Sellers value certainty. Since your offer is backed by HomeLight’s proof-of-funds rather than a pre-approval letter, you’re 4x more likely to win versus offers with financial or appraisal contingencies.*

*Based on Anderson, Dana. “All-Cash Homebuyers Are Four Times More Likely To Win A Bidding War” Redfin, 14 March 2022.

Ready to buy your dream home on your terms?

Get Started

CLIENT STORIES

Take their word for it

This was our first bid on a home and because we used HomeLight Cash Offer, it was accepted! We would probably still be searching for homes if we hadn’t used Homelight.Sherry & Jonathan K.
HomeLight Cash Offer Clients

Why HomeLight?

HomeLight and Frontgate Real Estate are changing the way we transact real estate.

HomeLight’s mission is to empower people to make smarter decisions during one of life’s most important moments: buying or selling a home.

They build data-driven and innovative products that give more control to buyers and sellers while reducing risk and uncertainty.

HomeLight has helped over one million clients.

FAQs

How much does the program cost?

The program has no hidden costs or added fees. HomeLight Cash Offer costs the same as a traditional mortgage, so long as you use HomeLight Home Loans as your lender, and our mortgage rates are typically in-line with what you would see from other local lenders.

How long does the HomeLight Cash Offer process take?

It depends on how quickly you are able to provide the requested documentation for your upfront underwrite. HomeLight can complete the underwrite in a few days after we have the loan application and all supporting documents.

Does HomeLight still require an appraisal?

Yes. In most cases, an appraisal is required. The appraisal occurs after your short-term cash loan closes, but before the refinance of the short-term cash loan into a long-term mortgage. This is to protect you from appraisal gap risk while removing the appraisal contingency on your offer.

How does the short-term cash loan work?

HomeLight provides you with a short-term Cash Loan at the same interest rate as your mortgage, which you combine with your own down payment to purchase your home. You will receive loan disclosures for both your short-term cash loan and your mortgage once you’re under contract with the seller.

How do I know if I’m a good fit for the program?

HomeLight Cash Offer is a great fit for a variety of buyers — we’re able to approve up to $2 million in loan value.

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