COA buys the home with cash so your client's offer beats the competition. When their mortgage closes, we transfer the property. You originate the loan. You keep your commission.
Four steps from deal submission to funded mortgage
Submit the deal on our portal with buyer info, preapproval, and property details. Takes under 2 minutes.
Our AI engine scores the deal in minutes. Strong deals are auto-approved instantly — no waiting.
We purchase the property outright from the seller. Fast, clean cash close with no financing contingency.
Your borrower's mortgage funds normally. We transfer the deed. You collect your full commission.
Protect your pipeline, close more loans, and give your borrowers an unfair advantage
COA never originates, brokers, or touches the mortgage. Your borrower, your loan, your commission. We don't compete with you.
Unlike competitors who issue short-term debt, COA buys the home outright. No extra loan on your borrower's credit profile.
Offers that compete with all-cash buyers means fewer lost deals and more funded loans flowing through your pipeline.
Works with any loan product except FHA (90-day seasoning rule). Conventional, VA, and USDA are all eligible.
Our risk engine scores deals instantly using market data, property analysis, and buyer strength signals. No waiting on manual review.
High-volume partners earn preferred status with faster approvals, priority support, and early access to new markets.
Turn every financed buyer into a cash buyer. COA purchases the property outright, then transfers it to your buyer once their mortgage closes. Same agent, same lender, same commission.
Four steps from deal submission to closed transaction
Enter property details, buyer info, and preapproval on the COA portal. Takes under 2 minutes.
AI underwriting scores the deal in minutes. Strong deals are auto-approved on the spot.
COA purchases the home with cash. Seller gets a fast, clean close with no financing contingency.
Buyer's mortgage funds on normal timeline. COA transfers title. You collect your full commission.
Give your buyers a competitive edge without changing your workflow
Your financed buyer's offer looks like cash to the seller. No financing contingency, fast close, certain funds.
You represent the buyer as usual. COA is invisible to the seller — we're just the cash source behind the scenes.
We don't originate loans or refer lenders. The buyer's existing mortgage relationship stays completely intact.
Cash purchases can close in as little as 10-14 days. Seller loves it. Listing agent loves it. Everyone wins.
High-volume agents earn preferred status with faster approvals and priority support.
NY, NJ, MA, WA, NC, and CA. Submit deals in any of our active markets from one portal.
Every COA deal generates two title transactions: the initial cash purchase and the transfer closing. Partner with COA and become our preferred title provider.
Two closings, one relationship, consistent deal flow
COA buys from seller with cash. You handle title search, insurance, and closing. No lender delays.
COA holds title 15-45 days. Owner's title policy protects COA. Vacancy insurance covers the property.
Buyer's mortgage funds. You handle the second closing with new title policies and deed recording.
Two closings complete. Two sets of title fees earned. COA sends the next deal your way.
Double the revenue per transaction with a single, repeat relationship
Two closings = two title searches, two insurance policies, two sets of settlement fees. One relationship.
No lender delays, no last-minute underwriting surprises. Closing #1 is predictable and fast every time.
As a preferred title partner, you get first right on all COA deals in your market. Consistent volume.
Same closing entity on every deal. Your team learns the process once and scales.
COA operates in NY, NJ, MA, WA, NC, and CA. Regional or national title companies can capture volume across markets.
COA handles underwriting, insurance, and buyer management. You focus on what you do best — closings and title work.
The COA fee is paid by the buyer at closing. No cost to partners.
| Purchase Price | COA Fee | Example |
|---|---|---|
| Under $800,000 | 2.75% | $13,750 on a $500K home |
| $800,000 – $2,000,000 | 2.5% | $30,000 on a $1.2M home |
| Over $2,000,000 | 2.25% | $56,250 on a $2.5M home |
Give your clients the competitive advantage of a cash offer — at no cost to you.
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