Our Cash Offer Advantage gives you a fully underwritten approval before you shop. Sellers see the same certainty as a cash bid — speed, commitment, and no financing contingency surprises.
24 hr
Approval Letter
21 days
Guaranteed Close
$0 EMD
Risk to Seller
How It Works
We run your full file through underwriting before you even start looking at homes. Income verified, assets verified, credit approved. This isn't a pre-qualification — it's a real commitment to lend.
Your offer comes with a fully underwritten approval letter and a guaranteed 21-day close — making your financed offer as strong as a cash bid. Sellers see certainty, not risk.
Since you're already approved, there are no underwriting surprises. We clear conditions in days, not weeks, get your appraisal fast-tracked, and close ahead of schedule.
Your Edge
Sellers accept cash offers because of speed and certainty — not because they prefer cash. Our pre-underwritten approval gives you both.
We help structure your offer with smart appraisal gap language. If you're competing against cash, the right offer structure matters as much as the financing.
Cash buyers often push for 21-day closes that don't actually help the seller. We close in 21 days or match the seller's preferred timeline — giving them what they actually want.
A pre-approval letter from a big bank means almost nothing — it's just a credit check. Our fully underwritten approval means your loan is essentially done. Listing agents know the difference.
We'll call the listing agent directly to walk through the strength of your approval. This personal touch closes more deals than any letter ever could.
Every Cash Offer Advantage approval comes with our 21-Day Closing Guarantee. If we don't close on time due to our delay, we credit $1,000.
78%
of sellers prefer a financed offer with strong underwriting over a cash offer that could fall through
3.2x
more likely to win in multiple-offer situations with a fully underwritten approval vs standard pre-approval
94%
of our Cash Offer Advantage clients closed on their first or second offer in 2025-2026
“We were up against 4 cash offers on a home in Stone Oak. Ben got us fully underwritten before we even toured the property. The seller’s agent told us our offer stood out because of the underwriting letter — they said it was as good as cash. We got the house.”
Jessica R.
San Antonio, TX — First-Time Buyer
Get fully underwritten before your next open house. Walk in with the confidence of a cash buyer.
Cash Offer Advantage Terms: Full underwriting approval requires a complete loan application including income, asset, and credit documentation. Approval is subject to property appraisal and title review. The Cash Offer Advantage does not guarantee seller acceptance. Statistics cited are based on internal STX Lending data and may not reflect all market conditions. Closing timeline of 21 days is subject to the Fast Closing Guarantee terms. Neighborhood Loans, Inc. (dba STX Lending) NMLS #222982. This is not a commitment to lend. Programs, rates, terms, and conditions subject to change without notice.