Complacency is fatal - treat escrow like your one chance to close.

EXCLUSIVE, ONE-TOUCH PROTECTION FROM LOW APPRAISALS

THE FUNDED

DOUBLE-APP

Does 3 things for real estate agents:

  1. PROTECT SALES from low appraisals, loan declines, and escrow fallout

  2. ELIMINATE COMMISSION REBATES - provide a better path for buyer cash, lead them to our auction platform for massive lender credits to cover closing costs. These will be at the lowest rates on market, significantly lower than what they can find on their own.

  3. ENABLE FIDUCIARY MASTERY

    • Agent Diligence

      Protect the sale, good faith deposit, and all down payment options from low appraisals

    • Massive Savings Success

      With zero risk, buyer gets the lowest rate & highest credits from a top lender

    • Make Standout Offers

      Sellers want certainty and closing protection - include the Double-App in the offer, make it a buyer requirement to protect the sale. Sellers don’t want a stale listing back on the market - a backup loan benefits everyone!

“They saved our deal, and saved the buyer from a $60,000 appraisal gap.”

— Rafael Mendez,

Compass Real Estate

Appraisal & loan failures put sales at risk. FUNDED keeps a backup loan on standby for seamless closing. Treat escrow like your one chance to close.

Never escrow without a DOUBLE-APP.

ONE STEP: Send buyers to our site www.FUNDED.auction

“Our appraisal came in low. The back-up loan saved us from losing not only our dream home, but our escrow deposit.”

Rex and Nicole B.

“My buyer used the DOUBLE-APP and it saved us from cancelling the purchase when we got a low appraisal. Plus the buyer got 0.75% off their rate.”

Matthew Armstrong,

Owner of Unlocked Real Estate

Let’s get Technical.

How FUNDED works on your purchase deal

FUNDED arranges two simultaneous loans, so if appraisal or loan issues occur, the backup lender can step in seamlessly.

We find buyers the best market offer, while keeping their original lender in the process.

No lender switching —just added value with a backup loan.

As a third-party platform, FUNDED manages lenders from start to finish, freeing agents to focus on closing more deals.

To buyers, what is FUNDED?

FUNDED isn’t a lender or broker—we’re a mortgage auction platform. We let lenders compete for the buyer’s loan, introducing the best-priced option and managing it for a fast closing. As the auctioneer, we handle everything between the buyer and lender. We don’t get paid by lenders - so we’re 100% unbiased. We charge an auction fee to the buyer, only if a loan closes.

Check out what we tell buyers on our home page.

Streamline Your Closing with FUNDED

As soon as an offer is accepted — or will be soon — send the buyer to www.FUNDED.auction. We’ll take over the entire process by managing the double-app and coordinating lenders with the buyer. There’s no credit checks required to view auction-winning rates, so buyers won’t hesitate to explore our options. They’ll be motivated to pursue the best lender while maintaining their pre-approval lender’s progress

At Contract Negotiation

Buyer agent: (1) reassure sellers and make your offers stand out by demonstrating you’re using FUNDED to double-app and protect the escrow, particularly if you need contingencies. (2) Inform buyers about low appraisal protection via Double App, give them confidence to make offers with no contingencies

Listing agents: insist that buyers double-app through FUNDED to protect the escrow from a low appraisal / underwriting decline. FUNDED ensures that buyers get the best loan rate available while acting as a third party to audit lender performance, offering peace of mind for all parties.

In rush escrows, we can deliver an appraisal inspection and loan approval within 3 business days, and have final approval and title documents ready within 8 business days, ensuring a smooth and timely closing process.

Protect the client and your hard earnings with a backup lender, demonstrate mastery.

Home builders have deep corporate support. That’s how they DOUBLE-APP on every purchase with their in-house lender. Brokers & agents don't have this protection, until now.

Buyer’s Agent

Simplify and Secure Your Sale

Protect your buyer from low appraisals and underwriting issues with a backup lender. We’ll introduce an exclusive, competitive loan offer while keeping the original lender as a backup. All parties benefit from added escrow protection with our double application approach.

How it works

Once the offer is accepted, direct buyers to www.FUNDED.auction —no obligations, no credit checks. Inform all parties you’re securing the sale with a backup lender, which strengthens your offer. If the original lender faces challenges, we’ve got it covered until closing.

  • Initiate the double app - direct buyers to FUNDED.

  • Your buyer isn't ready for our auction platform until there's an accepted offer OR imminent acceptance (lenders can't secure their best offer before a property exists). Do you have a loan partner who is ok doing a pre-approval knowing they'll get shopped? Maybe you have a loan officer that owes you a ton of favors. Big brand pre-approvals from a local Wells Fargo or Chase work well in getting offers accepted.

  • We don't advocate using FUNDED here. Without the full story, it seems like that's their buyer, so it would be wrong if they shared business with you and they lost the loan. Right?

  • We can't help buyers who need unique mortgages. We don't have lenders who offer non-qualified mortgages, sub-prime, stated-income, credit repair, nor down-payment assistance.

    Some builders and wealth management private banks offer unbeatable incentives. They're committed to keeping the loan. We detect this early on and tell the buyer to proceed without us.

    Some buyers are savvy or have technical mortgage experience to shop for their loans. Others are just lucky to already have the best offer without us. Either way, great job! We wish you a smooth closing.

  • We're happy to help! But we'll hold off on launching an auction until we have loan approval confidence. We'll locate lenders that can get the job done. 10% down JUMBO flexibility? Low asset reserves? High DTI? Credit score below 680? If an issue is isolated, these are challenges we can help overcome.

  • Have FUNDED's lender cover closing costs instead. We'll get significantly more lender credits at the same interest rate as the pre-approval lender. Our service fee is $2,168 - you have the option to credit the buyer on the expense, but the suggestion alone will save them significant money.

Listing Agent

Don’t put a stale listing back on market, close the purchase transaction now.

Protect your seller from low appraisals and loan issues with a backup lender. Our auction platform finds the best loan offers by having top lenders compete, while keeping the original lender in the process. This way, both loans get underwriter-approved, ensuring momentum continues even if one lender fails - closing stays on track.

  • At negotiation, require the buyer's team to get a second loan offer at FUNDED's daily auction. Soft-close by asking the buyer's agent, "What happened on your last deal that had a low appraisal or an underwriting suspension?" Advocate for your seller and insist - we make it easy for you. Direct the buyer’s agent to www.FUNDED.auction. There's no obligation nor credit check to see an auction-winning loan offer, so they won't hesitate to look.
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    We'll keep the original pre-approval lender active as a backup in case of a low appraisal or a loan failure. FUNDED will manage everything on the financing side until closing.

  • At the same interest rate, our lenders offer significantly more lender credits than the pre-approval lender. So basically, compared to the usual loans buyers can only find on their own, our auction-winning loans have interest rate buy-downs built in. Comparing apples-to-apples, the total fee to reach a specific rate is thousands cheaper with FUNDED. So if your seller has agreed pay a buy-down, the savings with FUNDED is theirs. Use us to minimize seller concessions.

    Our auction service fee is $2,168. You have the option to credit the buyer for the expense as a negotiation tool, and the suggestion alone will save them significant money.