Don't lose the home of your dreams

Now you can compete with cash buyers, even if you don't have the cash, with Fully Funded by HomeLight

Traditional Offer

  • Average chance of acceptance
  • Risk loan is never funded
  • Financing contingencies
  • No underwriting pre-offer
  • Unprotected earnest money

Fully Funded Offer

  • Stronger chance of acceptance
  • Loan guaranteed to close
  • No financing contingencies
  • Full underwriting before offer
  • Earnest money protection
Get Started

Cash Offer

  • Highest chance of acceptance
  • Zero lender risk
  • No financing contingencies
  • No underwriting needed
  • Unprotected earnest money

How Fully Funded works

  • Step 1

    Find out if you're eligible

    Take our Fully Funded Quiz to see how much home you can afford and which lender is the best fit for you.


    Get Started
  • Step 2

    Get pre-approved

    If you are eligible, we’ll send you a link to apply with our lending partner. You can get pre-approved in as little as 3 minutes.

  • Step 3

    Begin your home search

    With your buying power better defined, you can start looking at homes with your HomeLight agent.

  • How it works loan officer

    Underwriting in progress

    A Loan officer will work with you to ensure all your documents are in order. Our lending partner will deliver your underwriting decision within 48 hrs.

  • How it works funded

    You're now Fully Funded!

    Once underwritten, we'll send you an official letter to include when you make an offer - letting sellers know you have been Fully Funded.

  • Step 6

    Make a winning offer

    A Fully Funded offer can close in just 3 weeks and has no financing contingencies.

  • How it works stress free

    Stress free closing

    If anything goes wrong with your loan funding, we’ll refund your earnest money deposit.

  • Step 7

    Congrats the home is yours!

    Once your offer is accepted submit the property address to the lender, lock in your rate and start your loan.

When my wife and I found our dream home, we almost lost it because our lender didn’t follow through. That’s why we created Fully Funded - a guaranteed mortgage program that empowers you to make contingency-free offers just like a cash buyer.
Drew Uher
Founder & CEO

Frequently Asked Questions

  • What is Fully Funded?
    Fully Funded is a program from HomeLight that allows you to compete with cash buyers even if you don’t have the cash. HomeLight has partnered with select lenders who will underwrite you ahead of time to ensure you present your strongest offer possible on the house of your dreams. Moreover, HomeLight guarantees that your loan will close, or HomeLight will refund your earnest money deposit.
  • How do I get Fully Funded?
    Start by answering a few questions to see if you are eligible for Fully Funded. If eligible, we will provide a link to your custom mortgage loan application from our lending partner. Once you start on your application, work with your loan officer at our lending partner to complete your application and get pre-underwritten. Once your underwriting is complete, we’ll send you more information about how to submit a Fully Funded offer on your dream house.
  • What do I do once I’m Fully Funded?
    Once you’re Fully Funded, go ahead and submit an offer on your dream home. Make sure you include the cover page about Fully Funded in your offer so that the seller knows what this offer means and that you are backed by a HomeLight guarantee.
  • What is the HomeLight guarantee?
    HomeLight guarantees the pre-underwriting of our lending partners. Once one of our lending partners has underwritten your pre-approval, HomeLight guarantees that your loan will be funded as long as you keep your financial profile steady and the house appraises at an appropriate level. You’ll find more details about the specific guidelines (such as how you agree not to open a new line of credit or change your employment) in your Fully Funded letter.
  • Can I still qualify for Fully Funded if I got pre-approved with another lender?
    Yes! You can still qualify for Fully Funded even if you’re already pre-approved with another lender. You will need to go through the underwritten pre-approval process with our lending partners but once you do you can qualify for Fully Funded.
  • Is HomeLight a mortgage lender?
    No, HomeLight is a not a mortgage lender. HomeLight has partnered with mortgage lenders to offer this exclusive program to its clients and real estate agents.
  • Am I obligated to make an offer once I am Fully Funded?
    No, you are not obligated to make an offer once you are Fully Funded by HomeLight. However, we encourage you to go through the underwritten pre-approval process with our lending partners when you are ready to submit an offer on a house.
  • Do I need a real estate agent to participate?
    While you do not need to work with a real estate agent to participate in Fully Funded, we suggest that you work with a HomeLight recommended real estate agent. A top real estate agent in your area can help you navigate the home buying process and help you work with Fully Funded to put forth the strongest offer you can.
  • Where is Fully Funded available?
    Fully Funded is currently available in California, Colorado, Florida and Arizona. With more states coming soon!
  • How much does Fully Funded cost?
    Fully Funded doesn’t cost anything. Fully Funded is a free program HomeLight has developed for its clients and real estate agents. HomeLight is dedicated to empowering people to make smarter decisions when they buy or sell a home and Fully Funded enables our clients to do just that.

Make sure your offer stands out

Fully Funded offers by HomeLight are underwritten ahead of time to improve your odds of closing the deal.

Get Started

We're here to help

Our dedicated Real Estate Advisor team will walk you through your options and answer any questions along the way.

(855) 808-5017