NAF Cash: The Strategic Edge to Win Competitive Offersew Blog Post
In the last few months, I've seen too many great buyers lose their dream home to an all-cash offer that was actually lower than theirs.
Why? The listing agent always gives the same answer: "The seller just wants certainty."
That's the reality of today's market. Even with rising inventory, cash still wins because cash means zero risk, zero delays, and zero headaches for the seller.
The good news? There’s a strategy most people don't know about: NAF Cash.
This program lets your qualified buyer with a regular mortgage pre-approval show up at the table with a true, non-contingent cash offer.
How NAF Cash Eliminates Risk for the Seller
The value of NAF Cash isn't just about financing; it's about removing two of a seller's biggest risks:
Financing Contingency: Your offer isn't tied to loan approval. The seller gets cash immediately.
Sales Contingency: This is huge. If your buyer needs to sell their current home first, the NAF Cash program can step in. Since NAF Cash buys the home outright, your buyer's offer is not contingent on the sale of their existing property. For sellers who are also buyers themselves, this is often the second most important factor in accepting a bid.
How NAF Cash Works (Simple Breakdown)
Instead of a traditional financed offer, the buyer gets approved through NAF Cash before shopping. Once they find the perfect home:
NAF Cash buys the home 100% upfront with cash. This is what the seller sees and accepts.
Your buyer starts their loan process immediately or moves in.
The buyer then repurchases the home from NAF Cash at the exact same price once their traditional mortgage is finalized (usually within 30-90 days).
The seller gets maximum certainty and speed. Your buyer gets the house.
Who This Program Is Perfect For
It’s a game-changer for buyers who are:
Move-up buyers who desperately need to sell their current home but can't afford to make an all-cash, non-contingent offer on their next house.
First-time buyers getting beat by cash investors.
Anyone shopping in neighborhoods with tough competition.
Buyers who need certainty and want to skip the appraisal contingency stress.
The Essential Trade-Offs (The Real Talk)
I believe in transparency, so here are the things you need to know:
Program Fee: There is typically a program fee of 1%-2% of the purchase price. This can usually be rolled into the final loan, but it is real money.
Rate Lock-In: You must close your final mortgage with the same lender. This means you can't shop around for the best rate after the contract is accepted.
Rate Impact: The final mortgage rate may be slightly higher (typically 0.25%-0.75% higher) due to the program's cost. This can add an extra $75–$200 per month on a $500k loan.
Property Exclusions: Not all properties qualify. Condos, co-ops, and some new-construction homes may be excluded.
Reality Check: The added cost is worth it to a buyer who is tired of losing out and simply wants to win the house and avoid juggling two property transactions at once.
The Bottom Line
If your buyer is tired of writing "best-and-final" offers that still lose, NAF Cash is the strongest tool you have right now. It addresses the two biggest fears sellers have: financing failure and sales contingency delays.
It allows your clients to:
Shop like a cash buyer.
Compete like an investor.
Close like a pro.
This is the strategic advantage that sets you apart in the market and turns frustrated clients into happy homeowners.
👉 Book a 15-Minute Strategy Call with Mike - Send email
Ready to turn your financed buyers into cash-strength buyers? Let’s walk through the real numbers and see if your client qualifies.
