$999
Not a bridge loan
A flat fee to access the structure — not a parallel loan with stacked interest. Bridge products run $4K–$8K plus carry.
For mortgage lenders & brokers
BBYS that doesn't take your loan. $999.
Buy Before You Sell solves the equity bridge without replacing your mortgage. Your borrower wins the bid non-contingent, your loan stays yours, and the existing mortgage stays off the new-loan DTI.
Why this is a lender program
We solve the bridge. You keep the loan.
Your loan
We don’t refinance or replace
You stay the originator. Zoom Casa handles the equity-bridge piece only — never the financing. Structurally not a threat to your pipeline.
DTI
Conforming-friendly by structure
Treated like a sale-pending equity advance, so the existing mortgage doesn’t count against the borrower’s DTI on the new loan.
What you can bring
Three programs. You run the math.
Buying a new home while still owning the current one is the hardest version of the mortgage problem. These three solve it three ways, depending on equity position and timeline.
BBYS · The lender program
Buy Before You Sell
For the borrower who's found the next house and needs to win the bid without a sale contingency. The structure you bring instead of a bridge product.
- Non-contingent purchase — your borrower competes clean
- $999 program fee — well below bridge-loan alternatives
- Your loan stays your loan — we handle the equity-bridge, not the financing
- Structured so the existing-home mortgage doesn't hit new-loan DTI
Cash Offer+
Cash Offer+
For the borrower whose timeline is fast and whose seller wants certainty over maximum price. Cash certainty on the departing home for your new-home financing.
- Up to 85% of the current home's value upfront, 10–15 days to close
- Remaining 15%+ (minus fee) paid when the open-market sale closes
- Coordinated with the seller's listing agent
- Lets the borrower close on the new home with cash certainty
Pre-Sale Prep
Pre-Sale Prep
For the borrower whose current home needs work before listing — without a cash-out refi or HELOC to fund it.
- Renovation + staging funded by Zoom Casa, repaid at closing
- No second-lien or HELOC needed — clean structure
- Doesn't impact the borrower's DTI on the new-home application
- Typical scope: $15K–$80K, 3–6 week project
How the lender partnership works
Three things. Then you originate.
The borrower relationship and the financing stay yours. We’re the equity-bridge underwriter and the operational backstop.
i
Your loan stays your loan
Zoom Casa solves the equity-bridge problem so the borrower can buy non-contingent. We don't replace, refinance, or compete with the mortgage. You stay the originator — that's the structural reason this is a lender program, not a lender threat.
ii
The DTI structure that makes it work
BBYS is treated like a sale-pending equity advance, so the existing-home mortgage doesn't count against the borrower's DTI on the new loan. That's the distinction that makes non-contingent work for conforming loans. We run the calc with you on the call.
iii
You run the new mortgage in parallel
Conventional, jumbo, FHA — whatever fits. The mortgage on the new home moves on its own track while Zoom Casa carries the listing risk and holding cost on the departing home. The borrower's obligations to us end at the new-home close.
Recent deals
Partner deals, in the math.
A sample of recent Zoom Casa success stories — real properties, real before-and-after, real numbers. As partner-lender attribution is collected, this section will surface deals from your network first.
Questions lenders ask
The things lenders ask every time.
Quick answers below; the longer ones are on the partner call.
Does Zoom Casa replace the mortgage?
No. The loan stays the loan, with you as the originator. Zoom Casa solves the equity-bridge problem so the borrower can buy non-contingent — we don't replace, refinance, or compete with the mortgage. That's why this is a program you bring, not a product that competes with you.
How does $999 work? That seems too low.
It's the fee to access the BBYS structure. Zoom Casa makes the rest of its economics on the back end of the home sale, not on the borrower. Bridge loans typically cost $4K–$8K plus interest while both mortgages run. BBYS is structurally cheaper because the model is fundamentally different.
What if the borrower's current home doesn't sell?
Zoom Casa carries the holding cost and the listing risk on the existing home — not the borrower. We underwrite our own risk on the property. The borrower’s obligations end at the closing of the new home.
How does this affect DTI on the new-home loan?
It's structured so the existing-home mortgage doesn't count against DTI on the new loan — BBYS is treated like a sale-pending equity advance, the structural distinction that makes this work for conforming loans. You run the calc with the borrower on the call.
What’s the timeline from approval to new-home close?
Typically 21 days from initial scenario to new-home close on a clean borrower. BBYS approval itself is 24–48 hours after the net-sheet evaluation. The mortgage on the new home moves on its own track in parallel.
How do I partner as a lender?
A short partner intake — no deck, no pitch. We learn your borrower base and which programs fit, get you set up to coordinate BBYS, Cash Offer+, and PSP scenarios, and route your first deal inside a week.
We solve the bridge. You keep originating.
A short partner intake — no deck, no pitch. We learn your borrower base and which programs fit, set you up to coordinate BBYS, Cash Offer+, and PSP scenarios, and route your first deal inside a week.
Apply to partner →