Make a Cash Offer for Your Dream Home
Secure your dream home with our streamlined cash offer financing—beat the competition and buy before it’s gone.
Why ‘Dominate with a Cash Offer®’ Changes Everything
Watch now and see how ‘Dominate with a Cash Offer®’ can transform your home buying process.
- Speed : Close in as little as 15 days, speeding past traditional hurdles.
- Strength : Your offer cuts through the competition, making you the preferred buyer.
- Security : Eliminate common buying risks with pre-approved, guaranteed funding.
Start your seamless home purchase journey with the strongest offer in hand.
How Our Cash Offer Financing Works
Fast Track Approval
Ready your cash offer loan quickly.
Win with Cash
Use ‘Dominate with a Cash Offer®’ to secure your home.
Close Rapidly
Close on your new home faster.
Ready to Outbid the Competition?
What Hurst Clients Have To Say
Trusted by Homebuyers Nationwide
At Hurst Lending, we aren’t just experts in lending; we are specialists in accelerating your home purchase. Our founders and team members bring over three decades of industry-specific experience that directly benefits each client we serve.
Innovative Financing
We’ve engineered a cash mortgage loan process that maximizes speed and reduces the common bottlenecks in traditional real estate transactions
Proven Track Record
Thousands of satisfied clients now happily settled in their homes testify to the effectiveness of our loan products.
Specialized Knowledge
Our team’s expertise extends beyond conventional lending, incorporating advanced financial frameworks that stand out in the competitive market.
Your Dream Home, Our Expert Mission Our commitment is to turn your home-buying journey into a success story. With ‘Dominate with a Cash Offer®,’ you leverage not only our money but also our expertise and tailored strategies that make your offer the one that gets the home.
Price & Deliverables
What You Receive with our Cash Offer Loan
Our program is tailored to provide you with not just funding, but a strategic advantage in the home-buying process:
- Increased Acceptance Rate : Cash offers using our funds are more likely to win in competitive markets
- Flexible Repayment Options : Pay off our short-term loan or we can refinance you into a long term conventional loan.
- Cost-Effective Solutions : Competitive lending fees that are straightforward and fair
Transparent Pricing
Our program is tailored to provide you with not just funding, but a strategic advantage in the home-buying process:
- 1% to 1.5% Origination Fee : Charged on the loan amount.
- Standard Lender Fees : Detailed in your personalized consultation, maintaining transparency.
- Refinancing Subsidy : If you opt to continue with us long-term, we make it more affordable
Transparent Pricing
Understanding our pricing and deliverables ensures there are no surprises — just the confidence of knowing you have a strong partner in your home-buying journey.
Ready to start? Let’s secure your dream home together.
Frequently Asked Questions
How do I get started?
To get started, simply fill out our online application form or contact our team. We’ll guide you through the initial application process, including any required documentation, to get you approved quickly. Once approved, you’ll be ready to make cash offers using our funds.
What does fully approved mean for my cash offer?
Being fully approved means that your loan is pre-checked and guaranteed before you make an offer. This provides certainty to both you and the seller, making your offer as strong as cash.
How does a cash offer increase my chances in a bidding war?
Cash offers are viewed as more reliable by sellers because they bypass many of the delays and uncertainties associated with traditional financing, increasing your chances of winning in competitive markets.
Why does it cost to use the Cash Offer program?
We charge a 1% to 1.5% origination fee plus normal lender fees when you draw on our short-term loan. If you choose to refinance through us, we subsidize your refinance to keep costs low, usually between 0.25% and 0.5%. This small cost allows you to make a competitive cash offer and win your dream home.
Can you explain the proof of funds letter?
The proof of funds letter indicates that you are fully underwritten and approved for a line of credit, just like a commercial line of credit issued by banks. These funds are fully available to you and ready to be used for a home purchase upon execution of a contract, appraisal, and clear title.
Is this truly a cash transaction?
Yes, from the seller’s perspective, this is a cash transaction. The proof of funds letter we provide is just as good as having the funds in your bank account, ensuring your offer stands out as a cash deal.
Can I offer more than 95% of the home’s value?
Our standard cash offer covers up to 95% of your home’s value. For higher percentages, please reach out to our team for tailored solutions.
From the seller’s point of view, is there anything negative about this transaction?
No. Sellers will not need to worry about loan contingencies or potential issues with traditional mortgages, such as debt-to-income ratio, employment history, or buyer self-employment. This makes your offer more attractive and less risky for the seller
How do I make a cash offer for my new home after being approved?
Once approved, you’ll receive a proof of funds letter, which your realtor can submit with your cash offer. This letter ensures the seller that you have the funds ready and available for purchase, giving your offer a competitive edge
What are the benefits of avoiding traditional underwriting constraints?
Avoiding traditional underwriting allows you to skip the typical delays and complications, speeding up the closing process. This reduces wait times and makes your offer more attractive to sellers who are looking for a quick, smooth transaction.
What Happens After the Loan is Approved?
You and your realtor will receive a Proof of Funds Letter & Instructions.
Approval Email Sample
Mr. and Mrs. Smith,
I am pleased to inform you that your Dominate with a Cash Offer® short term loan/line of credit has been approved. We have allocated funds for your new home purchase. These funds can be drawn as soon as the appraisal for your new property is complete.
I am attaching a copy of a Proof of Funds letter you can use for your offer.
The interest only payment on your short-term line is $____ per month.
Please let me know if you have any questions or if I can help in any other way.
Thanks.
Hurst Lending
Loan Officer
Realtor Instructions Sample
From the Realtor side of the process, our short term loan/line of credit is just like a normal loan with the added advantage that we often provide more liberal underwriting requirements than a typical conventional loan. When you submit an offer there are three documents, we recommend you send to the sellers agent with your offer:
1. Proof of Funds letter (we also suggest that you provide a bank statement from Mr. and Mrs. Smith to document their 5% down payment and use our proof of funds letter to document the other 95% of the purchase price).
2. FAQ document (this is intended to be sent to the seller agent to answer their basic questions about our program), and
3. Addendum/Limited Appraisal Waiver form (this is an amendment to the standard TREC contract we drafted to help Buyer’s agents who are using our program). This document has a limited and full appraisal waiver language for you to use if you want. This addendum also explains how our program works and will hopefully answer any questions the Sellers agent may have about how the contract is drafted. You are fee to use this in your contract but it is up to you to advise Mr. and Mrs. Smith on the implication of purchasing a new home with a Buy Before You Sell line using a limited or full appraisal waiver.
I am also attaching a flyer that explains our full line of Dominate with a Cash Offer® loan programs and here is a link to our website with more details on our program (https://hurstlending.com/dominate-loans/dominate-with-a-cash-offer/). Feel free to share this with the Sellers agent if you think this is helpful.
Please let me know if you have any questions or if I can help in any other way. Hope you get the house!
Thanks.
Hurst Lending
Loan Officer
Seal the Deal on Your Dream Home
Apply now and take the first step towards a victorious home buying experience with ‘Dominate with a Cash Offer®’.
