Win the bid on the house you actually want — without making the offer contingent on selling first, without taking out a bridge loan, without your loan being replaced. $999. Your loan stays your loan.
One flat, predictable fee. Not a percentage of the loan, not a percentage of either home's value. Bridge loans typically run $4K–$8K plus interest while you carry both mortgages. BBYS is structurally cheaper because the model is fundamentally different.
Your offer on the new home is non-contingent on selling your current one. That's the difference between winning and losing the bid in any market with multiple offers. The seller and their agent see a clean offer, not a contingent one.
BBYS solves the equity-bridge problem. Your mortgage on the new home is whatever you and your loan officer arrange — conventional, jumbo, FHA, whatever fits. Zoom Casa doesn't replace your financing or compete with your LO. We solve only the contingency piece.
From the moment you put your address in the box at the top, the path to closing on your next home — without contingency — is three steps and about three weeks.
Address of your current home. Our pricing model checks AVM data and current market activity. You see your home's estimated equity position and the BBYS structure that fits your situation — before we ask for any contact information.
If the scenario works, you submit a short application. Approval typically returns in 24–48 hours. Your loan officer (we coordinate with whoever you're working with — or introduce one we trust) starts the mortgage on the new home in parallel.
You make a clean offer on the new home — no sale contingency. You close on the new home with your normal mortgage. Your existing home goes on the open market with no time pressure. When it sells, the BBYS structure unwinds cleanly.
A homeowner buying a $850,000 home while still owning a $620,000 home with $280,000 in mortgage equity. Same scenario, three financing structures, very different total cost.
What the math doesn't show: the cost of not winning the bid on the next home. In any multi-offer market, a sale-contingent offer often loses to a clean offer — even one that's $20K–$50K lower. BBYS turns your offer into a clean one. The savings on a bridge loan are real, but the bigger value is winning the deal you actually want. We publish the structure so your accountant can verify it. No spreadsheet should ever be hidden.
Bridge loans solve the contingency problem with debt — two mortgages, double interest, double underwriting. BBYS solves the same problem with structure, not debt. Walk through the mechanics.
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BBYS scenarios benefit from someone who's seen a lot of them — multi-property transitions, retirees moving across markets, anything with timing pressure on both sides. You get one such consultant, start to keys, with no handoffs in between.
If something isn't here, the consultant call is the place — every consultant is empowered to answer detailed pricing, timing, and DTI/structure questions on the first call.
No. A bridge loan is debt that runs in parallel with your existing mortgage and your new mortgage — three loans during the transition, two interest payments stacking. BBYS solves the same contingency problem with structure rather than debt: it removes the sale-contingency requirement so you can make a clean offer on the new home, without taking on a separate loan to do it.
It's structured so the existing-home mortgage doesn't count against your DTI calculation on the new loan — the BBYS program is treated like a sale-pending equity advance, which is the structural distinction that makes this work for conforming loans. Your loan officer runs the calc with you on the consultant call.
Zoom Casa carries the listing risk on the existing home — not you. Your obligations end at the closing of the new home. The existing home goes on the open market with no time pressure; if it takes 30 days to sell, fine. If it takes 90 days, fine. Our average is 38. Worst case in our portfolio is 142.
Yes. BBYS is structured to coordinate with whichever lender you're using — independent broker, credit union, big bank, anywhere. We don't replace, refinance, or compete with your LO. About 50% of BBYS deals come in with a lender already in place; the other 50% have us introduce one.
A flat fee is honest. Percentage-based bridge products charge more on bigger transactions; the work isn't more on a $1.2M home than a $400K home. Zoom Casa makes the rest of its economics on the back end of the home sale, not on the borrower transition. The $999 is what it costs you to access the structure.
Typically 24–48 hours from completed application to BBYS approval. Once approved, you can make non-contingent offers on the new home immediately. The mortgage on the new home runs on its own track in parallel — about 21 days from clear-to-close to actual close, same as any normal purchase.
No email required to see the structure. The numbers and the program fee are published, in writing, before any conversation. If it doesn't work, you've lost 60 seconds. If it does, the next step is a 15-minute call with your consultant.