Don't Just Bid. Win.
-
Win More Bidding Wars
Your financed buyers get the power of a cash offer. No more losing to investors and deep-pocket buyers just because your client needs a mortgage.
-
Remove Deal-Killing Contingencies
The mortgage, home sale, and appraisal contingencies make sellers nervous and can derail your deals. Cash2Keys helps your buyers waive them and submit stronger, cleaner offers.
-
Keep Your Pipeline Full
When your deals stay together from offer to close, your clients feel confident and your pipeline stays healthy. Cash2Keys helps make that happen.
Waive Contingencies. Win More Deals.
Sellers want clean offers. Cash2Keys gives your buyers four ways to remove the contingencies that make sellers hesitate. Each program targets a specific roadblock so your client's offer can compete.
Cash Offer
Waive the Mortgage Contingency
Give your buyers the power of cash without needing all-cash funds. The mortgage contingency is removed, so their offer can compete head-to-head with cash buyers in any bidding war.
Buy Now, Sell Later Express
Waive the Home Sale Contingency
Your move-up buyers can purchase their next home first through a faster, simpler process, then sell on their timeline. The home sale contingency is removed, so you keep the deal moving instead of putting it on hold.
Appraisal Assurance
Waive the Appraisal Contingency
Appraisal Assurance removes the appraisal contingency by issuing a lender-backed value certificate. If the appraisal comes in low, your buyer's terms stay the same and the deal stays on track.
Guaranteed to Close
Your Commission, Protected Up to $25K
When your buyer's offer includes a $25K closing commitment, your commission is protected up to $25,000 if the transaction doesn't close. Your buyer gets an offer that signals seriousness to the seller, and you get peace of mind.
Get Cash2Keys Certified to Close More Deals
Getting certified through Mortgage Education means you know how every Cash2Keys program works and when to use each one. It means you can walk into any listing presentation or buyer consultation with cash-backed solutions that give you an edge.
-
Learn how to match the right program to the right deal scenario.
-
Get access to listing agent videos that help explain your offer to sellers.
-
Stand out in your market as an agent who can offer cash-backed solutions.
Beyond Cash2Keys: More Ways To Win
Beyond the core Cash2Keys suite, we offer additional programs that can help you close even more deals.
-
Rate Relief
Help your sellers attract more buyers without dropping the price. Rate Relief uses a permanent rate buydown to lower the buyer's monthly payment, making your listing more affordable to a wider pool of buyers.
-
Non-QM Solutions
Not every buyer fits inside a traditional lending box. We offer flexible qualification paths for self-employed borrowers, investors, foreign nationals, and clients with non-traditional income. This way you can keep deals moving forward.
-
Builder's Advantage
Bring builders a full suite of solutions. Our Builder's Advantage pairs our proprietary products with builder financing tools to solve the biggest builder pain points: cancellation, financing delays, and appraisal risk.
Agents Who Use Cash2Keys Win More
-
The Jacksons
Homebuyers
Every home we liked turned into a bidding war. With Cash2Keys, we could make offers as a cash buyer and stop settling out of desperation.
-
Lillian and Joe
Realtors
Our clients could offer cash and compete in a tough market. They moved into their new home in less than 30 days.
-
Tom Bickett
Loan Officer
I don't know what I would do right now if I didn't have Cash2Keys to help people transition in this current market.
Frequently Asked Questions
How can I help my buyers compete with cash offers?
Cash2Keys backs your buyer's offer with cash and removes the mortgage contingency. After a short due diligence period, the offer becomes non-refundable, giving the seller confidence the deal will close.
Can my client buy a new home before selling their current one?
Yes. Buy Now, Sell Later Express lets your buyer purchase first, then sell on their timeline with up to 150 days. Cash2Keys backs their current home with a Backup Offer if it doesn't sell in time.
What happens if the appraisal comes in low on a financed offer?
With Appraisal Assurance, our team evaluates the property and issues a lender-backed value certificate. If the appraisal comes in below the certified value, your buyer's terms stay the same.
How does the $25K Guaranteed to Close protect my commission?
Your buyer's offer includes a $25K closing commitment. If the transaction doesn't close, your commission is protected up to $25,000.
How do I get certified to offer Cash2Keys to my clients?
Certification happens through Mortgage Education, our official training platform. Complete the course to learn how each program works and start offering Cash2Keys.
Which states offer Cash2Keys programs?
Cash2Keys is available in select states including New Jersey, New York, Pennsylvania, Delaware, Maryland, Virginia, North Carolina, South Carolina, Florida, Georgia, Ohio, Tennessee, Kentucky, Indiana, Texas, Minnesota, Arizona, California, Colorado, Oregon, Nevada, Washington, Mississippi, Wisconsin, Illinois, Idaho, Connecticut, Massachusetts, Maine, New Hampshire, and Washington DC.
Get Help with Your Deal
Have a deal that needs a cash solution? Fill out the form below and a loan officer can help you find the right program for your client.
Cash2Keys® Cash2Keys is the registered service mark of Analytical Sciences Marketing Group, LLC. 'Cash Offer’ and 'Buy Now, Sell Later' and 'Cash Bridge' programs are fulfilled by AnnieMac Private Equity Cash2Keys (Cash2Keys), an affiliate of AnnieMac Home Mortgage (AnnieMac). Cash2Keys is not a financial institution and does not originate or issue loan commitments. You must be pre-approved by Cash2Keys for each program's income and collateral requirements. Once approved, the offer and purchase will be in the name of Cash2Keys. You must then purchase the home from Cash2Keys within 180 days. You are required to pay all transfer taxes associated with the purchase of the home. AnnieMac Cash2Keys reduces or eliminates contingencies in the purchase contract. If the buyer does not terminate the agreement under a permitted contract contingency or term, AnnieMac Cash2Keys will purchase the property if the buyer is unable or unwilling to do so. Contract terms that allow a buyer to terminate may include, but are not limited to, contingencies such as septic inspection, home inspection, appraisal, and condominium warrantability. Visit anmac.me/cash for terms and conditions. For complete licensing information, please visit: https://annie-mac.com/licensing/
