Cash Buyer Program · The Consumer Protection Brokerage
Close in 10 days. Compete with cash. Win the house.
You write a strong offer. You feel good about it. You lose to someone who closes faster and pays cash. Speed wins. Certainty wins. The Arrivva Cash Buyer Program gives qualified buyers a cash position through short-term interim financing: buy the house first, optimize the loan after.
The problem
Why financed offers keep losing to cash
In hot markets, sellers are not just comparing price. They are comparing risk. A traditional financed offer can mean 15 to 17 days to close, appraisal timing and conditions, underwriting delays, and more chances for something to break. Cash offers feel clean. Fast-close offers feel clean. This program makes your offer feel clean.
What this program is
A short-term purchase financing strategy built to close quickly. You use interim financing to buy the home fast, you can close in as little as 10 days, and after you own the home you refinance into a traditional long-term mortgage. Win the property first. Then move into your permanent financing.
What it is not
This is not a long-term loan. The interim interest rate is higher because the financing is temporary and built for speed. Most buyers refinance shortly after closing, once the home is secured and they control the timeline.
Why sellers say yes to your offer
Sellers want certainty. Cash offers win because sellers fear delays and fall-through risk. Here, the lender guarantees to the seller that if you do not close, they will. A large institution behind your offer makes the seller comfortable, which is why this structure competes well against traditional financed offers and even many cash offers.
The process
How cash buyer interim financing works
- 1
Get a fully underwritten preapproval
This puts you in a serious category from the start and speeds everything else up. You can get it from Arrivva or any lender.
- 2
Apply and upload documents
Complete the application and upload the standard set: income documentation, asset documentation, credit authorization, and your preapproval.
- 3
Get approved for the cash buyer position
Once approved for the interim financing, you are positioned to write offers built for speed and certainty.
- 4
Close fast, then refinance
You close using the interim financing. After you own the home, you refinance into the long-term mortgage you want, with Arrivva or any lender you choose.
Timeline
A timeline you can plan around
Day 0 to Day 1
Apply and upload documents
Day 1 to Day 2
Approval once documents are complete
Day 3 to Day 10
Offer accepted and close
After closing
Refinance as soon as you are ready
Timelines vary based on document speed, the property, and escrow conditions. The point is that this is built to move fast.
Costs and transparency
What the cash buyer position costs
This strategy is for buyers who understand the tradeoff: you may pay more short-term to gain speed and certainty, because speed and certainty can be what wins the house.
- Program lender fee: 1% of the interim loan amount.
- Arrivva broker fee: $5,750, flat.
- Standard third-party costs: credit report, escrow, title, and other normal transaction costs.
- Interim interest rate: higher than a standard mortgage because the loan is short-term, approximately 11.72% APR.
Sample scenario
- Interim loan amount
- $1,000,000
- 1% lender fee
- $10,000
- Arrivva fee
- $5,750
- Total before normal third-party costs
- $15,750
These costs are generally tax deductible (confirm with your tax advisor). You will also have the normal transaction fees that exist in any purchase, plus short-term interest while the interim financing is outstanding. Most buyers refinance shortly after closing. Want a clean estimate for your exact scenario? Apply and we will show you the numbers quickly.
Is this right for you?
Who the cash buyer program is for
This is for you if:
- You are consistently losing to cash buyers or fast-close offers
- You are buying in a competitive market
- You qualify financially and can refinance after closing
- You care more about winning the home than shaving small costs
- You are buying as an owner-occupant, second home, or investment property
This is not for you if:
- Your market is slow and sellers accept longer closes
- You cannot refinance after closing
- You are only focused on the cheapest possible financing
For real estate agents
If your client is qualified but keeps losing to cash buyer offers, this is the move. We help you position the offer correctly, explain the interim financing timeline clearly, and answer seller-side questions quickly. Send us the property address and the offer deadline.
Common questions
Cash buyer programs and interim financing, explained
What is a cash buyer program in real estate?
A cash buyer program is a way for a qualified buyer to make an offer that closes like cash, usually by using short-term financing or a lender-backed structure that reduces typical mortgage delays. The goal is to increase certainty for the seller and win in competitive markets.
What is interim financing in real estate?
Interim financing is short-term financing used to buy a home quickly, often before the buyer finalizes a traditional long-term mortgage. After closing, the buyer typically refinances into a standard mortgage.
How does a cash buyer program help you win in a hot market?
Cash buyer offers win because they close fast and feel safer to the seller. This program is designed to reduce financing uncertainty and shorten the closing timeline, so your offer competes with cash.
How fast can you close with the Arrivva Cash Buyer Program?
The program is designed to close in about 10 days. The exact timeline depends on how quickly you provide documents, the escrow process, and the specific property.
What does the cash buyer program cost?
Typical cost components: a program lender fee of 1% of the interim loan amount, the Arrivva broker fee of $5,750, normal third-party transaction costs (credit report, escrow, title), and short-term interest while the interim financing is outstanding. The interim rate is higher than a standard mortgage because the loan is built for speed, around 11.72% APR.
Can you give an example of interim financing costs?
Example: on a $1,000,000 interim loan, the 1% lender fee is $10,000 and the Arrivva fee is $5,750, for a total of $15,750 before normal third-party costs and short-term interest. Most buyers refinance shortly after closing, so the interim rate is not carried for long.
Do you need a fully underwritten preapproval?
Yes. A fully underwritten preapproval, or a comparable underwriting review, is how the lender verifies income, assets, and credit so you can close quickly and the seller can trust the deal.
Do you have to refinance after using interim financing?
In most cases, yes. Interim financing is short-term by design. Buyers typically refinance into a traditional mortgage soon after they take ownership, with Arrivva or any lender they prefer.
Is a cash buyer program only for luxury real estate?
No. It works at many price points. It is most useful in competitive markets where cash and fast-close offers routinely win, regardless of the home price, and it works for investors too.
Is the Arrivva Cash Buyer Program available in my state?
Availability depends on state coverage. Apply or contact Arrivva and we will confirm quickly.
Ready to stop losing to cash buyers?
Buy fast. Refinance after. Win the house.
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