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OfferBoost: Cash Solutions for Homebuyers

OB header 2Our customers don’t fit into a one-size-fits-all box, and neither should their loans. In today’s market, it’s especially important to provide a competitive edge to your offer. OfferBoost helps you do that by allowing you to compete with cash. Not only does cash help you compete, but it also increases your options.


No matter where you are in the process, we believe that everyone deserves to achieve their dream of owning a home. All you need is a partner who can meet you wherever you are on the journey.

Who Is It For?

OfferBoost is a new path to homeownership for potential borrowers who:

  • Are being overlooked for utilizing government loans such as FHA, VA, & USDA
  • Just missed qualifying for a loan because of low credit score, high debt-to-income, etc.
  • Can secure financing but aren’t able to compete with cash buyers

Scared to List?

OfferBoost can help! Potential borrowers are often concerned about not being able to find a new home if they put their house on the market. With OfferBoost, you can buy before you list with a 6-month, worry-free commitment.


It can be scary to list your home, but OfferBoost’s cash solution tools help bridge the gap between buying a new home and selling your old one.

How It Can Help You

OfferBoost is a cash solution program that helps potential buyers, like you, get into their dream homes.


This program is a useful tool for borrowers of all kinds. OfferBoost assists borrowers in need of professional financial guidance, such as saving for a down payment, and includes rent-to-own payment options if you’re not quite ready to buy. It gives you the ability to compete with cash and offers a safety net if you’re hesitant to list your home.


Not only does OfferBoost give you a competitive edge over traditional homebuyers by competing with cash, but it is also a versatile program that can be applied to FHA, Conventional, or VA loans. With OfferBoost, you are guaranteed to close with an acceptable appraisal and inspection, helping you secure your dream home before you know it.

How It Works

Once you are approved for the OfferBoost program, you will work one-on-one with an Amerifirst loan officer to determine a budget. This homebuying budget will vary depending on your unique circumstances. Once your budget has been established, you can begin the search for your dream home.


Once you have found your dream home, you are ready to present a contingency-free offer as a cash buyer. Note that if you close within 30 days you can use financing if you previously qualified. Once the home is yours, you’re ready to move in and make it your own.


If you qualify for the rent-to-own portion of OfferBoost, you will move into your new home as a renter for up to two years. During this time, you will be assigned a financial coach. This coach will work with you throughout the two-year period to help create a financing and savings plan.


This plan is tailor-made to help you achieve your unique homeownership goals. You and your coach may work on improving your credit score, for example, or growing your savings for a down payment. The rent-to-own OfferBoost plan is designed to help you purchase your home outright, prepare for a mortgage, and give you the tools you need for success.


How to Qualify


First, you must submit an application to determine if you qualify for an OfferBoost loan. This application is free and will not impact your credit score.


After that, there are two ways to qualify:


  1. You qualify for a home loan. Start looking with these property specifications in mind:
    - Sales Price: $100k-$700k
    - Property Size: Situated on less than 4 acres
    - Built: Between 1960-2022, or fully renovated, or a to-be-built construction
    - Location: In a major metro area 
  2. You almost qualify for a traditional loan or need help with a down payment. In this instance, you can rent-to-own through OfferBoost. To qualify for this portion of the program, you need:
    - At least a 550-credit score
    - To make $2,500/month or $30k/year
    - Have $3,000 in savings
    - An acceptable debt-to-income and payment history evaluation

Note that this program currently applies to the following states: Alabama, Arkansas, Colorado, Florida, Georgia, Indiana, Kentucky, Michigan, Missouri, North Carolina, Maryland, Ohio, South Carolina, Pennsylvania, Tennessee, Texas, Virginia, and West Virginia. More coming soon!


The Takeaway

The path to homeownership looks different for everyone, and we want to help guide you through it.


We believe in investing in you and your long-term goals, no matter where you’re starting from. Whether you’re ready to buy today or unsure about your financial health, you should know all your options. OfferBoost could be the right fit and the opportunity to make your homeownership dreams come true.


If you’re interested in OfferBoost, reach out today by following the link below and one of our experienced loan officers will follow up with you!




This is not a commitment to lend. Not all borrowers will qualify. Contact us for more information on terms and conditions. Properties are subject to closing based on an acceptable inspection. Equal Housing Lender | NMLS #110139 | A division of Amerifirst Financial Corporation.


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