Gapital Mortgage

Cash Buyer Program

Turn your home offer into cash.

Giving you the buying power you need to win in any market.
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What is the Cash Buyer Program?

Gapital's Cash Buyer program allows for traditional buyers to turn their home offer into a cash offer, allowing them to have more leverage when competing against multiple offers.

As little as 5% down

Close in as little as 10 days

No contingencies

Become more attractive to sellers

How does it work?

The Cash Buyer Program happens in two steps:


1. Cash Closing - Our lending partner provides a cash loan to the borrower to fund their cash purchase. They will fund up to 95% of the purchase price with the remainder coming from the borrower’s down-payment.


2. Refinance Closing - At the mortgage refinance closing, the borrower refinances their short-term cash loan into a permanent mortgage. The refinance takes place within 30 days of completion of the cash offer closing. 

(972) 777-9820

Frequently Asked Questions

What's the process?

What is the process?

The process can be summed up in a few steps:

  1. Get pre-approved through Gapital.
  2. Submit the property you want to make a cash offer on to us.
  3. We run a value check on the property to ensure the analysis makes sense.
  4. We send you approval to make the offer at your desired price.
  5. Close on the home, and move in.
  6. Refinance with us to get into a traditional mortgage.

For more information, give us a call at 972-777-9820, or apply here.
How fast can you get a value check on the property?

How fast can you get a value check on the property?

24 hours or less!

Can you move in immediately after the cash purchase?

Can I move in right away?

Yes! It’s your home, and you can move in immediately. 

Who controls the negotiations?

Who makes the offer on the home?

It’s your offer, with our partner's cash. Just like a typical purchase, you and your agent have control over the negotiations and due diligence (including inspections). 
Is the refinance loan considered a cash-out refinance?

Is the loan a considered a cash-out refinance?

No, the mortgage is considered a non-cash-out refinance.

Do I have to refinance with Gapital?

Do I have to refinance with Gapital?

Yes, we have a special agreement with our partners to provide you with this cash offer program. If you choose to use another mortgage lender, you may be liable for additional costs and fees. You will also be ineligible for the Money Back Guarantee.

What happens if you lose your job and can’t qualify for a mortgage after the cash purchase?

What happens if you lose your job and can’t qualify for a mortgage after the cash purchase? 

Every cash offer is backed by a Money Back Guarantee. If you lose your job and can’t close on their mortgage, our partners will buy the home from you at the exact same price you bought it for. That way, you receive your full down-payment back. 
What happens if an appraisal comes back low?

What happens if an appraisal comes back low?

Our partner's value guarantee will cover the gap in property value, and the payoff will be reduced to offset the lower appraised value. 
How much does it cost to participate?

What are the fees?

The cost of the loan is done in two stages.


For the cash closing, it is a 1% fee (of the loan amount)

For the refinance closing, normal refinance fees will apply.


When you are pre-approved for the Cash Buyer Program, all fees will be transparently disclosed.

Do you have to pay a down payment and closing costs?

Do you have to pay a down payment and closing costs?

Yes, they must bring the agreed upon down-payment and any applicable closing costs (i.e., title, escrow, etc.) per the cash-offer agreement. 

1. Answer some questions

Answer some basic questions, and securely upload your financial info with the click of a button.

2. Tailor your options

Have a specialist help you make a decision that’s perfect for you.

3. Close your loan

Our team will take you through our stress-free closing process.

Start your pre-approval process, and get moving forward.

Apply Now

Transparency is our strategy.

A quote from Gapital is one you can trust. We'll show you side by side rates and programs, so your comparison is easy to understand. 

Our pros also factor in all closing costs, so there are no surprises, and you can trust the number when comparing them to others on the market.
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Gapital Mortgage is committed to simplifying the mortgage process through a human-to-human approach and creating opportunities for better lives.

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972-777-9820

Legal    

NMLS #1553267 – Gapital Mortgage, Inc. is a mortgage broker with its main office at 2770 W First Street, Suite 20, Prosper, TX 75078. Telephone Number (972) 777-9820. Loans made or arranged pursuant to a California Finance Lenders Law License. – Not available in all states. © Gapital Mortgage, Inc. All rights reserved.

Texas Mortgage Company Disclosure

In compliance with the Texas Dept. of Savings & Mortgage Lending


Gapital Mortgage, NMLS 1553267

Duties and Nature of Relationship: 

We will submit your loan application to a participating lender which we may from time to time contract upon such terms as you may request or a lender may require. In connection with this mortgage loan, we are generally acting as an independent contractor and not as your agent. 


How we will be compensated: 

The retail price we offer you – your interest rate, total points, and fees – will include our compensation. In some cases we may be paid all of our compensation by you or by the lender or investor. CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV