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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.
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 at The Marchand Team
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.

BrianThe Marchand Team
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. The Marchand Team is powered by New American Funding. NMLS #6606 · Individual NMLS #481563. Equal Housing Lender.