FAQ

Zigzy is a new way to real estate. With our advanced technology, we offer fully underwritten mortgage pre-approvals so you know how much house you can afford. That pre-approval also qualifies you to become a cash buyer, which means you can make a true all-cash offer for a home. We also offer numerous home loan options so you can get the ideal mortgage for you and your family, including refinancing and cash-out refinancing. We have strong relationships with the nation's top real estate agents, so we can help match you with a local agent specializing in your area. And with our decades of real estate and mortgage experience, we can guide you through the entire process.

We're available to homeowners and homebuyers across the nation, excluding New York and Hawaii. In most every other state, you can use Zigzy to get a loan, help you find a real estate agent, or help you become a cash buyer.

Sellers prefer the security of cash offers, but most people don't have money for a new home just laying around. That's where Zigzy comes in to point you in the right direction. Sellers get guaranteed cash and you get that house. Plus, there are numerous other reasons why it's beneficial to use cash to buy your house, including:

• Sellers are four times more likely to go with cash buyers when there are multiple bids¹
• Cash buyers may be able to pay about 11% less than those using a mortgage²
• Over 25% of all home purchases are by cash buyers³
• Corporate investors snapped up 15% of U.S. homes for sale in the first quarter of this year⁴
• The median price of an American house has increased by 28% over the last two years⁵

Our cash offer applies to existing single-family residences. Newly built homes, condos, and manufactured homes are not eligible.

You'll still need a mortgage, but a cash offer can help you get that house. We give you a fully underwritten pre-approval upfront, which also qualifies you for the all-cash offer. Then, when you've found your home, our affiliated real estate company buys it using cash, lets you move in, and sells it back to you once your mortgage is secured. This way, sellers get their cash and you can move into your new house right away instead of having to wait for the mortgage process to be complete, which can sometimes take months.

No, you don't. If you own a home now but want to buy a new one with a cash offer, you do not need to sell your current home first. In fact, you have 90 days to sell your existing home. Once Zigzy's affiliated company, Buyer Accepted, buys your new home, you can move in and rent it from them while you sell your current home. And the rent isn’t due until the sale is complete!

Yes, there is. There is a one-time service fee for using our cash to buy your home. However, that fee can be rolled into your new loan so you can pay it back over time. The fee varies by state and will be communicated to you during the homebuying process.

To take advantage of our cash offer, you must use Zigzy's direct lending division, New American Funding, for your home financing.

There are no fees to use this service.

A customer who buys their home with a real estate agent they found through the real estate agent matching service is eligible to receive up to a $2,500 lender credit to be applied towards closing costs at the close of escrow. There is no lender credit available for loan amounts under $50,000.

We offer numerous loan types and programs to give borrowers of all backgrounds the mortgage that's right for them. Whether you're looking for a Conventional loan, an FHA loan, a VA loan, a USDA loan, a Jumbo loan or more, we have the loan for you. We offer loans with fixed rates over 15 or 30 years. We also offer fixed-rate loans that allow you to pick your loan term. We have loans with adjustable rates and loans with low or no down payment options. No matter what you need, we’ll make sure you get the loan you're looking for.

Yes! If you already own your home and need access to extra cash for college tuition, home repairs, a dream vacation, or more, we have refinance options that could put cash in your pockets while allowing you to also save on your monthly payments. You can also refinance your existing home loan into a new one with terms that fit your life now.