Dear Realtors,

Protect your sale from low appraisals and delays with a backup lender.

Use FUNDED’s double-app.

“They overall made it very smooth for our team and they managed the entire process from start to finish.”

— Rafael Mendez, Compass Real Estate

Treat escrow like your last chance with the client. A backup lender solves loan failures before it's too late.

Home builders have deep corporate support. They double-app every purchase with their in-house lender. Brokers & agents don't have this protection, until now.

Never escrow without a backup lender.

How FUNDED Works

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.

What is FUNDED to buyers?

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.

Show clients your value by sharing how we streamline the loan process. Check out what we tell buyers on our home page!

Streamline Your Closing with FUNDED

As soon as an offer is accepted —or even if it’s just around the corner— send the buyer to FUNDED. We’ll take over the entire process by managing the double-app and coordinating lenders with the buyer. With no obligations or credit checks required to view auction-winning rates, buyers won’t hesitate to explore their options. They’ll be motivated to pursue the best lender while securing a reliable backup.

At Contract

Buyer’s agents can make their offers stand out by demonstrating to sellers that they are using FUNDED to double-app and protect the escrow, particularly when contingencies are involved. This reassures sellers and ensures the buyer is informed about backup loans and protection from low appraisals—even in contingency-free situations.

For listing agents, insisting that buyers double-app through FUNDED helps protect the escrow. FUNDED ensures buyers get the best loan rate available, while also providing a third party to audit lender performance, offering peace of mind for all involved.

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 your deal and clients with a backup lender, demonstrating your expertise and thoroughness.

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 FUNDED—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.
    You've decided it's OK if the pre-approval lender gets shopped.

  • 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 work with lenders who offer non-qualified mortgages, sub-prime, stated-income, credit repair, nor down-payment assistance.

    Some builders and wealth management banks offer super-attractive incentives. They're committed to keeping the loan in-house. 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 $1,490 - you have the option to credit the buyer on the expense, but the suggestion alone will save them significant money.

Listing Agent

Secure the Sale with Confidence

Protect your seller from low appraisals and loan issues with a backup lender. Our auction platform brings 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, so 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 buyers to FUNDED. There's no obligation or 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 have more credits than whatever the pre-approval lender is offering. And compared to usual lenders, our auction-winning loans have interest rate buy-downs built in. Want to buy down more? The buy-down fee to reach a specific target rate is thousands cheaper compared to others. So if your seller is paying the buy-down, that savings is theirs. Use us to minimize seller concessions.

    Our base service fee is $1,490. You have the option to credit the buyer for the expense as a negotiation tool, but the suggestion alone will save them significant money.