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The cash-offer program

Make a cash offer.
Win the home.

NAF buys the home with cash so your offer rises to the top - no financing contingency, no waiting. You move in, then buy it back with your New American Funding mortgage.

How it works Who it's for What it costs
Watch the 90-second rundown. It's simpler than it sounds.

Program guidelines on this page last verified . Guidelines, limits and program terms change — verified figures are current as of that date, not a commitment to lend.

Beat the all-cash buyers - by becoming one

A financed offer competes.
A cash offer wins.

In a hot market, sellers take the cleanest, surest offer. NAF Cash lets you make that offer - backed by NAF's cash and proof of funds - so you stop losing homes to investors and all-cash buyers.

“Accepted - pending financing.” “All cash. No financing contingency.”
Two ways to do it

Pick the path
that fits you

Both let you make a guaranteed, all-cash offer with NAF as the purchaser - then buy the home back. The difference is how you qualify upfront.

Option 1

NAF Cash

For buyers ready to be fully underwritten now.

  • You're pre-approved and your mortgage is fully underwritten and approved upfront
  • NAF submits the all-cash offer on your behalf
  • The offer is accepted, the cash deal closes, and you move in
  • You complete the purchase using your already-approved financing
Option 2

NAF Cash Advance

For buyers with equity or assets and a home to sell.

  • You qualify on the equity in your current home (or enough assets) for full repayment
  • You're also prequalified for a conventional mortgage as a backup
  • NAF makes the all-cash offer, it closes, and you move in
  • You buy the home back with all cash once your departing residence sells
The happy path

How NAF Cash works

Two transactions, one smooth move: NAF buys the home with cash, you settle in, then you buy it back from NAF with your mortgage.

1
Get ready

Pre-approved & underwritten

We verify your funds and get you fully approved so you're ready to make a cash offer.

2
Make the offer

Submit your cash offer

NAF Cash is listed as the buyer and provides proof of funds to strengthen your offer.

3
Cash closes

NAF buys the home

The all-cash deal closes fast, you get the keys, and your rent-back period begins.

4
Settle in

Move in & relax

You're home. Take the time to finalize your financing - or sell your current place.

5
Make it yours

Buy it back

You purchase the home from NAF using your New American Funding mortgage. Done.

Who wins with NAF Cash

Built for buyers
who keep losing out

If you've been beaten by cash offers, juggling a sale and a purchase, or just want the strongest hand at the table - this is for you.

First-time buyers

Compete head-to-head with seasoned cash buyers on your very first home.

Leverage a cash offer

Stand out in a bidding war and potentially save money on the purchase price.

Veterans

VA-eligible buyers can use their benefits with the strength of a cash offer.

A home to sell

Buy and move into the new place before you sell your current home.

Why it works

The edge a cash
offer gives you

✓

Make a competitive offer with no financing contingency

✓

Get accepted - and potentially save money on the price

✓

Gain a real advantage over financed buyers

✓

Move into your new home before selling your current one

✓

A guaranteed sale the seller can count on

✓

Convenient, hassle-free, and handled start to finish

What it costs

One simple service fee - rolled into your loan.

NAF Cash transactions include a service fee that varies by state (and in some cases, by county). The good news: it's added to the purchase price and financed into your mortgage - not paid out of pocket at closing.

You'll also have a short rent-back while you own the home before buying it back, plus standard items like an earnest money deposit. We'll walk you through every number before you commit.

Example · cash + service fee
$500,000
Cash price
+
3%
State service fee
=
$515,000
Final purchase price

Illustrative only. The service fee typically ranges from about 1.95% to 5.95% depending on your state and program. Brian will give you exact figures for your situation.

Good to know

The quick facts

$150K–$2M
Purchase price range
620+
Minimum credit score
Conv · VA
Plus Jumbo & Non-QM
(no FHA)
Primary
Residence only · 1-unit homes, PUDs & condos
Brian Marchand, Sr. Loan Consultant
Brian Marchand
Sr. Loan Consultant
A note from Brian

How many homes have you lost to a cash buyer you never even saw? You write a great offer, you wait, and the seller takes the sure thing instead. It's exhausting.

NAF Cash flips that. We put NAF's cash behind your offer so you're the sure thing - the clean, guaranteed close every seller wants. Then you simply buy the home back with your mortgage, on your timeline.

Let's make your offer the one that wins.

If you've been getting beat out here in the Capital District, let's talk through whether NAF Cash is your move.

BrianBrian Marchand
For real estate agents

Get NAF Cash certified
and win more listings

Offer your buyers the power of an all-cash offer - and give your sellers the certainty of a guaranteed close. Get certified to bring NAF Cash to your transactions in one short training session.

  • Free, live training
  • Stand out in listing presentations
  • Help buyers win bidding wars
Agent training

Book your certification

Pick a time that works - we'll walk you through how to use NAF Cash with your clients.

Schedule training →

Hosted via Calendly · ~30 minutes

NAF Cash, LLC (“NAF Cash”) is a real estate company. All products and services supplied by NAF Cash are subject to state availability and contractual terms and conditions. NAF Cash does not originate loans or issue loan commitments. NAF Cash, LLC charges a Transaction Fee of 1.50%–7.5% of the purchase price for its service (fee varies by state and program). License number: MI Real Estate Broker #6505431332. NAF Cash is not available in all states and is not available in Puerto Rico. Program terms, fees, eligibility, rent-back periods and service-fee amounts vary by state and are subject to change without notice; this is not a commitment to lend or a guarantee of program eligibility. Mortgage financing provided by New American Funding. Brian Marchand is a Senior Loan Consultant with New American Funding, LLC. Company NMLS #6606 · Individual NMLS #481563. Equal Housing Lender.

Straight talk

Who a cash-offer program is not for.

Making a cash offer when you don't have cash is a genuine competitive advantage in a bidding war. It's also a structure with real costs and constraints, and it isn't right for everyone.

You’re not in a competitive situation

If you can win the house with a normal financed offer, do that. The cash-offer structure exists to beat competition — without competition, it’s cost with no benefit.

Conventional loans →FHA loans →

You wouldn’t qualify for the mortgage afterward

This isn’t a way around underwriting. You have to qualify for the permanent financing that buys the home back. If the mortgage doesn’t work, the cash offer doesn’t either.

Talk to Brian →

You’re buying a property type the program won’t cover

Cash-offer programs have property and geography restrictions — typically no rural acreage, no manufactured homes, no non-warrantable condos, and no fixers.

Renovation loans →Portfolio programs →

You’re shopping at the edges of your budget

There are fees in this structure. If the budget has no room for them, a straightforward financed offer is the better plan.

Run the numbers →

You just want to skip the appraisal contingency

Waiving an appraisal contingency on a financed offer accomplishes a lot of the same thing for free — with real risk, but no program cost. Worth comparing honestly.

Talk it through →

Your timeline is long and relaxed

The advantage here is speed and certainty. On a listing that’s been sitting for 60 days, you don’t need it.

Talk to Brian →
Qualifying income

What income we can actually use.

You go through full mortgage underwriting either way — that's the part people misunderstand. The cash offer wins the house; the mortgage still has to qualify.

Counts toward qualifying

  • All standard income types — W-2, self-employment, bonus and commission, rental, retirement — documented exactly as they would be on any purchase.
  • Portfolio and alternative documentation — Bank statement, 1099, and asset-based income work with some cash-offer structures — worth confirming for your specific file.
  • Proceeds from a home you’re selling — One of the best uses of this structure: make a non-contingent offer now, sell your current home after, then place the mortgage.
  • Reserves and assets — Documented normally, and the program has its own requirements on top.

Doesn't count (or counts against you)

  • Income that wouldn’t pass normal underwriting — There’s no shortcut here. If the mortgage won’t approve, the structure doesn’t help.
  • A property that won’t appraise — The permanent loan still requires an appraisal. Overpaying in a bidding war still creates a cash gap.
  • An expectation of no costs — This is a paid service. The fees are disclosed and they’re real — weigh them against what winning the house is worth to you.
  • A fixer you plan to renovate — Cash-offer programs require a home in acceptable condition. Renovation scope belongs on a renovation loan.

The honest framing: this is a competitive tool with a price. In a multiple-offer situation on a Capital Region listing where five people are bidding, it often wins. Tell me the situation and I’ll tell you whether it’s worth it.

Failure points

Why cash-offer files get denied — and what I do about it.

The failure mode here is unique: winning the house and then having the mortgage not come together. That's why the underwriting happens first.

Why it dies

The permanent mortgage didn’t qualify

The borrower treated the cash offer as a substitute for approval rather than a complement to it, and the mortgage fell apart after the cash purchase.

What I do

I fully underwrite the permanent loan before we use the cash-offer structure. The mortgage approval comes first — always. That sequence is the whole safety mechanism.

Why it dies

The property didn’t meet program requirements

Rural acreage, a manufactured home, a non-warrantable condo, or condition issues. The program declines the property even though the buyer is strong.

What I do

I check the property against the program's eligibility before we commit to the structure, so we're not discovering a restriction after you've won the bid.

Why it dies

The appraisal came in under the winning bid

Cash offers in a bidding war often go above list. The permanent mortgage appraises at market, and the difference is cash from you.

What I do

I tell you the realistic appraised range before you bid and how much over-bid you can absorb. Winning at a number you can't finance isn't winning.

Why it dies

Timeline requirements slipped

These structures have defined windows for placing the permanent financing. Missing one creates cost and pressure.

What I do

I manage the mortgage timeline against the program's window from day one, with documents collected before the cash purchase rather than after.

Why it dies

Income or credit changed between the two steps

A job change or new debt between the cash purchase and the mortgage closing. The approval the structure relied on no longer holds.

What I do

You get the do-not-do list before the cash offer goes in, and I re-verify early. Nothing changes between the two closings if I can help it.

Why it dies

The costs weren’t understood up front

The borrower is surprised by program fees at the end and feels misled about the total cost of winning the house.

What I do

I put the full cost in front of you before you decide, next to what a conventional offer would look like. If it isn't worth it for your situation, I'll say so.

Already been denied somewhere else? Read what happened when other buyers brought me a dead file →

Areas served

Where I close these loans.

Albany and the Capital Region are home — and I’m licensed across all of New York State.

AlbanyAltamontAverill Park & Sand LakeBallstonBallston SpaBethlehem & DelmarBolton LandingBrunswickCastleton-on-HudsonClifton ParkCohoesColonieCorinthEast GreenbushGlens FallsGlenvilleGreenfieldGuilderlandHalfmoonHoosick FallsLake GeorgeMaltaMechanicvilleMenandsMiltonMoreau & South Glens FallsNassauNiskayunaNorth GreenbushQueensburyRavena / CoeymansRensselaerRotterdamSaratoga SpringsSchenectadySchodackSchuylervilleScotiaStillwaterTroyVoorheesville & New ScotlandWarrensburgWaterfordWatervlietWiltonWynantskill

Don't see your town? Reach out — or see every Capital Region town.

Brian Marchand, Sr. Loan Consultant at New American Funding

Brian Marchand · Sr. Loan Consultant, New American Funding · NMLS #481563

Works on cash-offer buying programs for buyers and homeowners in Albany, NY and the Capital Region. Licensed in New York State. New American Funding, NMLS #6606 · 18 Computer Dr E, Suite 103, Albany, NY 12205.

About Brian