Buyer Capital has three available programs: 

1. Cash Offer
2. Performance Guarantee 
3. Buy First

Buyer Capital has three available programs: Cash Offer, Performance Guarantee, and Buy First

Which program you’ll use depends on a combo of these factors: 

1. How much you want the home
2. How much competition you’re facing from other buyers
3. Whether the seller is looking for a quick 7-day close or prefers a 30+ day close

Cash Offer is most often used when the seller of the home you desire wants to close quickly. It’s also used frequently for a “dream home/property” that is rarely on the market, and you want to do everything possible to increase your chances of getting your offer accepted. 

Performance Guarantee is used when a seller’s desired closing date is in a timeframe that your lender can close in – AND – you want the seller to consider your offer as ‘the same as cash,’ even though you have pre-approved financing. 

Buy First is a buy-before-you sell (your current home) program for when you plan to sell the home you live in now and move into a new home. It is used for any of these 3 reasons: 

1. PREFERENCE: To increase the likelihood of your offer being accepted, because it is CASH, and ALSO because it can be flexible to the seller’s need regarding the closing date. 
2. CONVENIENCE: To only move once, directly into your new home vs. into a temporary rental while you wait for the new home sale to close. 
3. TIMELINESS: To avoid the risk of being homeless. In today’s market, your home will sell if priced correctly. But buying a new home can sometimes take months.

Buyers must be represented by Windermere Real Estate brokers. Additionally, buyers must: 

• Be purchasing property located in King or Snohomish County. Properties in other counties are approved on a case-by-case basis.
  Know you’re able to purchase the property (and be willing to risk a 10%* non-refundable deposit if you cannot).
  *10% deposit applies to home up to $2M. Homes above are approved on a case-by-case basis.
• Have enough additional down payment available to offset a low appraisal.
• Have verified with your lender that your loan program does not have a restriction against a deed transfer within 90 days (a.k.a. you loan has no ‘anti-flip’ rule).

Buyer Capital is available in a limited geographical area.
Our programs can only be applied to homes purchased in Seattle and the greater King and Snohomish County regions. Buyer Capital is involved in primary residence ONLY. Exceptions for either are considered upon request.

We work solely with Windemere Real Estate brokers.
We can refer you to real estate brokers who can represent you.

We work solely with Windemere Real Estate brokers.
If you’d like to work with us, contact Buyer Capital.

Request an access code and prepare your application to jumpstart your Buyer Capital experience.

Offers with a Buyer Capital addendum are backed with the power of cash and the reputation of Buyer Capital. Unlike most buyers, Buyer Capital’s reputation is critical to our success. Buyer Capital needs to perform in order to keep its reputation in the real estate community.

• In our Cash Offer program, we are the buyer and will close with cash on the closing date. 
• With our Buyer Performance Guarantee, if our buyer cannot close in their name per the contract, they can convert to our Cash Offer program and Buyer Capital will become the buyer and close with cash. 

For the Cash Offer and Buy First programs, you will pay Buyer Capital 1/2 of 1% nominee fee, plus a daily fee for the days we own the property. The daily fee is 1% of the purchase price divided by 30 (or $333 per day for a $1M home). Clients incur an estimated $2,000 in additional transaction cost (2nd escrow, property insurance, and other fees) that they would not have incurred had they bought the house directly from the original seller.

*If you need more than 60 days to purchase the house from Buyer Capital, you can request an additional 60-day period ONLY after you’ve paid the daily fee for the 1st 60 days, and pay another ½ of 1% nominee fee, plus daily rent moving forward

1. NON-REFUNDABLE DEPOSIT: In the event that you cannot buy the home: For instance, if you lose your job and no longer qualify for financing, then the NON-REFUNDABLE DEPOSIT is used by Buyer Capital to help sell the house to someone else. If it costs more than 10%, we pay the losses above your non-refundable deposit. If it costs less than 10%, we refund the difference between your non-refundable deposit and the sum of all selling cost and rent for days Buyer Capital owned the property. *
   *10% deposit applies to home up to $2M. Homes above are approved on a case-by-case basis.
2. OTHER COSTS:Buyers’ closing cost and nominee fee paid when Buyer Capital purchased the property are also forfeited if you cannot purchase the home from Buyer Capital.
3. POSSIBLE LOW APPRAISAL: Both the Buyer and Buyer Capital agree/commit to buying the home in question BEFORE getting an appraisal. This helps the sale close faster. IF IT DOES NOT appraise at the value expected and comes in LOWER, you will need to have the additional funds (beyond the down payment) to offset the low appraisal.

1. WHEN YOUR OFFER IS ACCEPTED: Earnest money equal to the non-refundable deposit of 10%* of your offered price or escalation cap, whichever is greater. 
2. DUE TO ESCROW 2 DAYS BEFORE CLOSING DATE: Buyer closing cost + Buyer Capital fee (1/2 of 1% Cash Offer program). 
3. UPON SECOND CLOSING: Buyers closing cost and additional down payment above your non-refundable deposit. 

*10% deposit applies to home up to $2M. Homes above are approved on a case-by-case basis.

Earnest Money is DIFFERENT than a down payment. It is a payment towards the purchase of the home and conveys to the seller that you’re interested in buying the home. Typically, in the Seattle market, earnest money is 3%, while down payments run between 5% and 20%.

During the escrow process, your earnest money is applied toward your down payment. 

For the sake of ease and to increase the success of your offer, Buyer Capital requires that the amount of your earnest money is the SAME as Buyer Capital’s required non-refundable deposit. Why? For two very good reasons: 

1. The higher earnest money can help sway a seller’s decision. 
2. Lenders generally track the source of funds in your purchase from your checking account, and when your earnest money is the SAME as what they see in the addendum provided by Buyer Capital, it simplifies the tracking

The remainder of your down payment (above the earnest money, minus the non-refundable deposit) is due at the closing where you buy the property from Buyer Capital. 

Both the Buyer and Buyer Capital agree/commit to buying the home in question BEFORE getting an appraisal. This helps the sale close faster. 

IF IT DOES NOT appraise at the value expected and comes in LOWER, you will need to have the additional funds (beyond the down payment) to offset the low appraisal. 

It is a risk to consider. Low appraisals are generally handled in one of three ways:

1. Buyers planned down payment is in excess of the required amount, so no additional steps are needed.
2. Buyer makes an additional down payment to cover the low appraisal.
3. Or you change your loan. For example, you switch from an 80% loan to a 90% loan. 

Our most popular Buyer Capital program moves your offer to the top of the pile by making it cash. Are you a pre-approved buyer who wants to strengthen your offer over your competition? If so, we can buy your new home with our cash fast, and later sell it back to you at the same price. Learn more here and fill out our form to get started.

Our Cash Offer program is for pre-approved buyers only, who know the home they want. To qualify, you’ll need to first get pre-approved and preferably underwritten approval by your lender. Be sure to talk with your loan officer about working with Buyer Capital. Learn more and apply to get started.

Sellers love the certainty of a Cash Offer or working with a Guaranteed Buyer.
Either way, your offer is viewed as more attractive than financed offers. It provides the seller certainty. A Cash Offer is sometimes more attractive because it can close as quickly as 7 days. 

We’ll buy the house you want with our CASH on the terms you and your realtor negotiate with the seller. You will be pre-qualified to pay that amount; and you’ll pay Buyer Capital a nominee fee, plus a daily fee for every day we own the property. Visit our cost calculator.

Offers with a Buyer Capital addendum are backed with the power of cash and the reputation of Buyer Capital. Unlike most buyers, Buyer Capital’s reputation is critical to our success. Buyer Capital needs to perform in order to keep its reputation in the real estate community.

• In our Cash Offer program, we are the buyer and will close with cash on the closing date. 
• With our Buyer Performance Guarantee, if our buyer cannot close in their name per the contract, they can convert to our Cash Offer program and Buyer Capital will become the buyer and close with cash. 

Our Performance Guarantee program helps sellers feel instantly more secure about your offer. Performance Guarantee is used when a seller’s desired closing date is in a timeframe that your lender can close in – AND – you want the seller to consider your offer as ‘the same as cash,’ even though you have pre-approved financing. 

Our Performance Guarantee program is for well-qualified buyers who know the home they want. To qualify, you’ll need to first get pre-approved and preferably underwritten approval by your lender.  Be sure to talk with your loan officer about working with Buyer Capital. Learn more and apply to get started.

Sellers love the certainty of working with a Guaranteed Buyer, because they know beyond a shadow of a doubt, they’ll get paid no matter what happens, guaranteed. 

HOW PERFORMANCE GUARANTEE WORKS: Because your offer is backed by our guarantee (and our cash), it is viewed as more attractive than financed offers. When your offer is accepted, as soon as your loan’s ready, you proceed to closing and purchase the home directly from the seller. 

HOW CASH OFFER WORKS: In the unlikely event that your loan is delayed, just notify Buyer Capital and convert to the Cash Offer program. At that point, Buyer Capital will step in and pay the seller cash for the home you want, and you’ll buy it back from us at the same price later. 

We guarantee your offer with our CASH on the terms you and your realtor negotiate with the seller. You will be pre-qualified to pay that amount; and if your loan comes through in time, you buy the house from the seller at the price you negotiated with them. If the loan is delayed, you’ll switch to our Cash Offer program and pay Buyer Capital a nominee fee, plus daily rent for every day we own the property, before we sell it back to you at the same price that you and your realtor negotiated with the original seller. Visit our cost calculator.

Offers with a Buyer Capital addendum are backed with the power of cash and the reputation of Buyer Capital. Unlike most buyers, Buyer Capital’s reputation is critical to our success. Buyer Capital needs to perform in order to keep its reputation in the real estate community.

• In our Cash Offer program, we are the buyer and will close with cash on the closing date. 
• With our Buyer Performance Guarantee, if our buyer cannot close in their name per the contract, they can convert to our Cash Offer program and Buyer Capital will become the buyer and close with cash. 

Would you like to avoid the risk of being homeless after selling your current home? 

Buy First is a buy-before-you sell (your current home) program for when you plan to sell the home you live in now and move into a new home. It is used for any of these 3 reasons:

1. PREFERENCE: To increase the likelihood of your offer being accepted, because it is CASH, and ALSO because it can be flexible to the seller’s need regarding the closing date. 
2. CONVENIENCE: To only move once, directly into your new home vs. into a temporary rental while you wait for the new home sale to close. 
3. TIMELINESS: To avoid the risk of being homeless. In today’s market, your home will sell if priced correctly. But buying a new home can sometimes take months.

Our Buy First program is for well-qualified buyers who know the home they want. To qualify, you’ll need to first get pre-approved and preferably underwritten approval by your lender. Be sure to talk with your loan officer about working with Buyer Capital. Learn more and apply to get started.

The cost is half of 1% nominal fee, plus a daily fee for the days we own the property. The daily fee is 1% of the purchase price divided by 30 (or $333 per day for a $1M home). Clients incur an estimated $2,000 in additional transaction cost (2nd escrow, property insurance, and other fees) that they would not have incurred had they bought the house directly from the original seller. Visit the Buy First cost calculator.

You move in when we close on the house you want to purchase, then you buy the new home back from us only AFTER you sell your current house.

• HOW BUY FIRST WORKS: Buyer Capital buys the new home from the seller at your negotiated price with our cash. You can move in right away (before your existing home sells). When the sale of your existing home closes, you purchase the new home from us. 
• HOW PERFORMANCE GUARANTEE WORKS: Because your offer is backed by our guarantee (and our cash), it is viewed as more attractive than financed offers. When your offer is accepted, as soon as your loan’s ready, you proceed to closing and purchase the home directly from the seller. 
• HOW CASH OFFER WORKS: In the unlikely event that your loan is delayed, just notify Buyer Capital and convert to the Cash Offer program. At that point, Buyer Capital will step in and pay the seller cash for the home you want, and you’ll buy it back from us at the same price later. 

We purchase your new house with our CASH at the terms you and your realtor negotiate with the seller. You will be pre-qualified to pay that amount; and once you sell your existing home, you buy the house from Buyer Capital at the price you and your realtor negotiated with the original seller.
Visit our cost calculator.