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 ClosingAt 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. 

(877) 651-0316

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 877-651-0316, 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.

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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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