
Deana H
Alliance Offers
“Alliance Offers has been a total game-changer for my clients and real estate partners! The ability to buy a new home before selling their current one removes so much stress from the process.”
We have consistently found ways to merge technology and real estate to create more homeownership opportunity while keeping agents and loan officers involved as trusted advisors.
When iBuyers started getting traction, we developed the white-labeled zavvie iBuyer marketplace to give brokerages a way to leverage these solutions as a part of their own offerings to ensure agents stayed in the center of the transaction.
When other alternative financing solutions became available, we expanded the marketplace to include more selling and buying solutions like Listing Concierge, Homeownership Accelerator, and Cash Buy products, alongside our brokerage’s in-house or preferred mortgage solutions.
We developed our own Power Buyer for one brokerage in CO after seeing Power Buyer solutions were consistently the most popular offerings in the marketplace across different markets around the country.
We more officially developed our Cash Advantage solution when, even with the intense shift in the market in late 2022, more people than ever were still interested in Power Buyer, but most Power Buyer companies were left inoperable. It allows a mortgage company or brokerage to become their own Power Buyer.
We launched a more streamlined version of the marketplace, cutting the time to request offers by 70% and automating the submission processes via API.
We continue to license Cash Advantage to brokerages and mortgage companies across the country. Currently over 30 mortgage and brokerage companies have licensed Cash Advantage and we've successfully done over 500 deals.
We launched an AI-powered portal to facilitate the entire Power Buyer experience end-to-end and scale for other emerging financing options.
We launched our HomeFAI app to enhance speed and efficiency, making it easier than ever for clients to access alternative financing solutions quickly.
Take their word for it
“Alliance Offers has been a total game-changer for my clients and real estate partners! The ability to buy a new home before selling their current one removes so much stress from the process.”
“Time and time again, I’ve seen cash offers win deals, and with Collective Offers, buyers can step into the market with confidence, knowing they’re in the strongest position possible.”
“The product suite offered by zavvie has empowered me to solve some complex problems for my Realtor partners, and their clients. “
“zavvie has been a game changer in our market. It provides our agents here at Helen Adams with a unique offering allowing our clients to stand out from the competition.”
“I love having the ability to help more buyers get the home of their dreams! zavvie literally opens so many doors. Our market is tough, and buyers can get so defeated, but having this tool in our arsenal puts my buyers at ease. “
“Many options leave clients struggling with qualification or missing out on expected equity after the sale. Cashready solves this by allowing us to act as a cash buyer and finalize loans based on the actual proceeds, ensuring clients get the best outcome with comfort and confidence.”
“I’ve had 6 different Power Buyer closings, so far…I have used both the 1% and the 1.9% programs and each time the process was very smooth from the initial contact with Power Buyer to the final closing.”
“By partnering with zavvie, our borrowers are able to remove the pressure of buying a home before selling their departure residence... We trust our zavvie team to deliver prompt, professional, and competitive results. “
“Working with zavvie has been an incredibly rewarding experience... It’s rare to find a team that not only delivers results but also genuinely cares about making a positive impact every step of the way.”
"Excellent product(s) that filled a need for Allied and more importantly our realtor partners. The zavvie training for our mortgage professionals is outstanding."
“Pro Purchase has been a great option for me and my team to turn to for creative solutions. They have been able to provide value to clients by allowing them to purchase a home and providing the time and space for sellers to make the proper repairs to their homes and ensure the best sales price. They have been a great tool for my realtor partners as well, allowing them to list a home for their client, and also represent the client as a buyer. They are communicative and easy to work with. I would highly recommend."
Dive deeper into our press coverage, news, and blogs
Was Your Home Impacted? Did you have damage from the Hurricanes? As the snowbirds and spring break crowd hit Florida to reconnect with year-round residents, hurricane damage is the hot conversational topic. Of course, the majority of homes for sale were either just remodeled or needed to be remodeled. It’s an important time for Realtors. On the west coast of Florida which suffered through hurricanes Helene and Milton in 2024, climate damage is one of the first topics that is discussed when you meet someone. The devastation is mostly cleaned up, but the repairs linger and many homes are being torn down. If a home suffered damage of more than 50% of its value, it must be a teardown. The word on the street is that 42,000 homes might be removed by the time FEMA packs up. If climate risk is important to home buyers, real estate websites have much catching up to do. According to a Redfin-commissioned survey conducted by Ipsos late 2024, 56% of Millennials and 50% of Gen Z say climate change directly influences where they choose to live. That number drops significantly for older generations – just 31% of Boomers and 40% of Gen X reported the same concern. Here in Pinellas County, Florida, which is located on the west side of Tampa, I can tell you that 100% of buyers are focused on climate risk. Despite the growing demand for climate-related transparency, brokerage websites still lag in delivering this type of data that today’s buyers want. While some platforms have started offering basic flood-risk indicators, very few provide climate impact data down to the property level. Even more surprisingly, there’s virtually no access to a home’s actual climate damage history – not from national portals, not from local broker sites. Why does climate data matter in real estate search? This isn’t just a theoretical issue. Redfin’s earlier study from 2022 found that when homebuyers had access to flood-risk data, they consistently placed offers on properties in lower-risk zones. The implication is clear: access to environmental risk data doesn’t just inform – it changes behavior. Buyers are asking more intelligent questions about their homes: Is this area prone to wildfire? Has this home sustained flood damage? Will the insurance premiums balloon over the next five years due to rising storm risks? These questions deserve answers during the home search, not after move-in. Brokerages have a window to win – but it’s closing Portals and proptech startups are already circling this space. If broker websites don’t add climate risk data soon, they’ll lose another opportunity to layer value in the consumer journey with their brand. It’s not just about being first to market, it’s about staying relevant to a new generation of buyers who don’t separate climate concerns from housing choices. The good news is that parcel-level and historical climate data are becoming more accessible through new data partnerships. Cotality (Formerly CoreLogic) is a leader in climate data licensing for broker websites. Brokerages should consider integrating that intelligence into their search experiences before consumer expectations move on without them. The predominant vendor used by Zillow and other portals is First Street. The map below depicts the flood damage from last year’s hurricanes on Zillow.com. We have found in our tests of First Street data that it is pretty good in general, but less informative on individual household climate risk. There are cases where homes on the same block may have greater or lesser climate risk than the house next door. Realtors® are already on top of this. Realist reports from Cotality and Realtors Property Resource® (RPR) are on the kitchen counter at most open houses here. Still, those are only available from your Realtor through the MLS or REALTOR® Association – an opaque process, but not necessarily a bad one. As a lead generator, you can put a call to action on your website to request a climate report on individual listings. However, the best practice is to include climate data on the individual listing detail page. Requiring registration to access climate data is another great lead generation option if you pay off the registration effort by displaying the data. It’s time for brokers to step up their game on their consumer-facing websites and make climate data transparent for home buyers. Don’t go it alone. Get help from WAV Group to develop your climate risk strategy, and allow us to help negotiate data licensing for climate data. Zillow uses First Street data, but there are better sources. We can help you find the right solution for the right price, and the strategy may include companies like zavvie that work with brokers on cash purchase programs or HouseAmp that fund pre-sale home improvement financing. A great strategy will often have multiple attributes to create a system of information and assurance solutions. Contact us using the form below and either David Gumpper – Primary Lead of WAV Group Technology or WAV Group co-founder, Victor Lund will be happy to help.
Read MoreNew AI-powered platform turns cash buyers into mortgage clients — without upfront cash Here’s a riddle: How can a mortgage broker still write a loan for a cash buyer? When the cash buyer is actually a proxy for the actual buyer. It works like this: The buyer identifies the place he wants to purchase. He and his agent then make a cash offer through Zavvie, a financial technology firm bringing liquidity to the residential marketplace. If the seller accepts, the Boulder, Col.-based company buys the house. Then, the actual buyer has up to 90 days to arrange for a mortgage to buy the house from Zavvie, which has just launched a new AI-powered platform to speed the process. Face it. Cash is king. Sellers love cash offers because they come with fewer hiccups. Buyers can close faster and there is no chance that their financing will fall through. According to ATTOM Data Solutions, cash deals accounted for nearly two out of every five single-family house sales last year. That’s a lot of potential mortgages down the drain. Get the NMP Daily Essential stories, every weekday. Your email address But not everyone has the money on hand to make an all-cash offer, putting them at a distinct disadvantage when going up against those who can pay cash. Enter Zavvie, which, for a fee ranging from 0,5% to 1.9% of the purchase price, comes to the non-competitive buyer’s rescue. And with its new HomeFAI platform, the company can deliver faster and stronger offers, bringing more certainty to the process. “This is AI meets modern home financing,” says Lane Hornung, the company’s co-founder and CEO. “And it’s transforming the way people buy homes...ensuring that more buyers can compete and succeed.” Now available in all 50 states, the HomeFAI platform is already powering some of the country’s top mortgage companies, with partnerships that include 10 of the top 30 lenders, including Guarantee Rate, Zenith, PRMG and Hallmark Home Mortgage. Some 15,000 loan officers and 70,000 real estate agents have access to the program through the company’s 125 partners, including realty brokerage firms JPAR, Cutler Real Estate and RE/MAX Alliance. And with its new speedier platform, the company says its offers are experiencing greater acceptance. More importantly, nine out of 10 back-end buyers finance their deals when they purchase their homes from Zavvie. More and more loan officers across the country are accepting the program, too. It “has been a total game changer,” said Jerry Kaplan, executive vice president of capital markets at Luminate Power Buyer in Englewood, Col. “Our borrowers can compete on the highest level.” Ashley Sattler, an originator at Cross Country Mortgage in Columbus, Ohio, said she introduces the option with every borrower “because it puts my clients in the strongest position possible.” The HomeFAI works with most loan origination systems and underwriting platforms, Zavvie says, and can be seamlessly integrated for easy adoption.
Read MoreBOULDER, Colo., March 12, 2025 (GLOBE NEWSWIRE) -- zavvie, a leading fintech company bringing liquidity to residential real estate, has launched an AI-powered platform designed to accelerate the speed of cash offers and funding, giving homebuyers a decisive competitive edge. The new HomeFAI system enhances zavvie’s Cash Portal for cash buyers and strengthens its Cash Buy Before Sell program, providing homeowners the financial flexibility to secure their next home before selling their current one. “This is AI meets modern home financing – and it’s transforming the way people buy homes,” said Lane Hornung, co-founder and CEO of zavvie. “Our new platform brings unprecedented speed and certainty to home financing, helping loan officers and their clients win more deals. With AI automating underwriting, risk assessment, and transaction management, we’re making cash offers and alternative financing solutions more accessible than ever.” Lane Hornung - co-founder and CEO - zavvie Revolutionizing alternative home financing with AI The HomeFAI system is redefining modern home financing by delivering: Faster Cash Offers: AI-driven process for cash offers reduces approval times to as fast as 1 hour, compared to traditional processes that take days or weeks. Stronger Offers: Cash-backed and all-cash offers help buyers win in competitive markets where multiple bids are common. Higher Conversions: zavvie’s Cash Advantage program results in 92% mortgage attachment. Surging Adoption Rates: HomeFAI app adoption has more than doubled year-over-year, increasing by 155%. Moreover, 83% of loan officers using the legacy application process switched to the new streamlined HomeFAI, most commonly through the mobile app. Seamless Integration: Works with existing Loan Origination Systems (LOS), CRMs, valuation tools, and underwriting platforms, making adoption easy for lenders. “HomeFAI offers a next-gen system for loan officers, real estate agents, and their homebuyers,” said Venkatesh Baglodi, zavvie’s Chief Technology Officer. “By leveraging AI for automation, risk assessment, and real-time decision-making, we’re enabling a more accessible, secure, and efficient financing experience – a major breakthrough in the alternative financing world.” Venkatesh Baglodi - Chief Technology Officer - zavvie Helping buyers win in today’s “all-cash” market According to data from Attom, “all-cash sales” have surged, nearing record highs and accounting for 39% of all home sales over the past year. Nearly 38% of single-family homes were bought with cash, the largest purchase share since 2013. Homebuyers using zavvie-powered cash offers are experiencing increased offer acceptance rates. Loan officers across the country have seen a surge in deal flow and borrower confidence thanks to HomeFAI’s streamlined process. “zavvie’s platform has been a total game-changer,” said Jerry Kaplan, EVP of Capital Markets at Luminate Power Buyer. “By removing financing contingencies and offering cash-backed solutions, our borrowers can buy first, sell later, and compete at the highest level.” Ashley Sattler, Mortgage Loan Originator at Cutler Cash Advantage, said, “Having zavvie’s AI-powered platform in my toolkit allows me to help more buyers get the home of their dreams. I introduce this option in every buyer consultation because it puts my clients in the strongest position possible.” Expanding market reach with industry leaders zavvie’s HomeFAI system is already powering some of the nation’s top mortgage companies, with partnerships that include 10 of the top 30 mortgage lenders. The platform is now available in all 50 states, rapidly scaling to help more homebuyers and industry professionals nationwide. “Cash and certainty win deals,” added Hornung. “zavvie is pioneering AI-powered alternative financing, ensuring more homebuyers can compete and succeed.” About zavvie zavvie is a leading fintech company bringing liquidity to residential real estate. zavvie’s HomeFAI system uses AI to rapidly deliver emerging alternative financing products to home buyers and sellers. HomeFAI’s Cash Portal and mobile app drive mortgage attachment by allowing the collaboration of loan officers and real estate agents to turn clients into cash buyers, buy before they sell, and generate instant offers. zavvie’s enterprise clients include some of the nation’s largest mortgage and real estate companies, accessible nationally by tens of thousands of loan officers and real estate agents. Learn more at zavvie.ai. Media Contact: Kevin Hawkins | zavvie 206-866-1220 | kevin@wavgroup.com
Read MoreSAN FRANCISCO, Feb. 4, 2025 /PRNewswire/ -- Arrival Home Loans, a leading provider of innovative bridge financing solutions, and zavvie, a leading technology company specializing in AI-driven platforms for real estate lending professionals, are pleased to announce a strategic partnership aimed at enhancing the homebuying experience for consumers nationwide. Arrival Home Loans and zavvie Announce Strategic Partnership to Enhance Homebuying Solutions zavvie Logo zavvie Logo This collaboration combines Arrival Home Loans' expertise in owner-occupied bridge loans with zavvie's advanced technology platform for single family real estate, providing a broader range of homebuyers with a fast, easy solution to purchase their new home before selling their current one. "We are thrilled to partner with zavvie to make Arrival's products available to zavvie's impressive network of loan officers and real estate agents," said Simon Chen, CEO of Arrival Home Loans. "As the nation's largest, fastest-growing wholesale bridge lender, demand for our solutions in today's highly competitive real estate market has been incredible. "zavvie is very excited to connect Arrival's industry leading bridge solution with our partner network of over 80 leading mortgage and brokerage companies counting a total of over 50,000 LOs and agents. Arrival's products significantly broaden the range of modern financing solutions available to our partners through our AI powered HomeFAI platform, so more clients than ever will be able to realize their real estate goals by writing contingency free offers." About Arrival Home Loans: Arrival Home Loans specializes in offering residential bridge loans that enable homeowners to purchase a new home before selling their existing property. Arrival's proprietary platform allows borrowers to leverage the equity in their current home to maximize borrowing power, often up to 100% of the purchase price. With a focus on simplicity and efficiency, their in-house bridge financing team collaborates closely with real estate agents and loan officers to ensure a smooth transaction process. About zavvie: zavvie is a leading fintech company bringing liquidity to residential real estate. zavvie's HomeFAI platform uses AI to rapidly underwrite home buyers for emerging alternative financing products. HomeFAI's Cash Portal and mobile app drive mortgage attachment by allowing loan officers and real estate agents to turn clients into cash buyers, to buy before sell, and to generate instant offers. zavvie's enterprise clients include some of the nation's largest mortgage and real estate companies. For more information about Arrival Home Loans and zavvie, please visit their respective websites at https://arrivalhomeloans.com/ and https://zavvie.ai/. SOURCE Arrival Home Loans
Read MoreA celebration of the achievements and successes of the real estate community’s best and brightest in the mortgage and finance space. The Inman Best of Finance Award honors those pushing the envelope and reshaping the homebuying space.
Read MoreAI is rapidly gaining momentum in the financial sector, proving to be a perfect match for a multitude of applications. AI holds the potential to revolutionize a broad array of financial sectors, including capital markets, banking, insurance, venture capital, and real estate. Home finance, in particular, stands out with its diverse applications, ranging from traditional offerings like mortgage point-of-sale systems and asset management to innovative solutions like power buying and alternative lending. AI's integration into these areas holds significant promise for transforming the landscape of home financial services. zavvie recently launched HomeFAIᵀᴹ (Home Finance AI), a home finance operating system supporting modern finance offerings. In this article, we will share some of our experience in applying AI to the home finance platform. The operating system contains key blocks such as command center, risk mitigator, decision navigator, and power vision. The command center functions as the command module for the operating system while the risk mitigator helps to assess risk associated with a profile or property. Decision navigator helps the financial authority to make decisions based on what is best for the customer while Power Vision provides the analytics necessary for business operations. We found that AI performs very well for document management functions in the command center. In the home finance world, one has to deal with a large set of documents, and often, breaking the data from those documents for verification speeds up business functions. The use of Document AI for this purpose has been fairly effective. Risk assessment is another area where AI has proven to be fruitful. Financial business rules are fairly complex, and business needs to update the rules often for compliance reasons. We found that using Generative AI as an orchestrator for interrogating business data and interacting with traditional ML models for complex business functions works effectively. The natural language syntax of writing the rules hides the complexity from the business user. For decision navigator, we created both text and computer vision models to predict a variety of decision points intended to help in decision-making. While we see a great potential to use Generative AI for decision navigator, we are restricting AI use to traditional ML models only for the first phase. The use of Generative AI has been very effective for Power Vision. We went with building our IP around Generative AI through foundational NLP functions, and this has helped us to scale to a large set of queries and visualizations. One lesson we learned is that users like dashboards more than prompting. It is very important to allow users to build customized dashboards by providing filtering options, which can be powered through Generative AI. Finally, handling questions from the knowledge base has been an easier task through Generative AI. In our previous product, we leveraged a dialog system that required extensive design that was prone to errors. Generative AI, however, has been very effective in this regard, both from an integration point of view and the accuracy of answers. Our overall experience is that judicial use of AI helps to build compelling features for financial products. Our goal is to expand this product to accommodate any home financing function – both legacy and modern. What we have learned is that traditional ML and Document AI will continue to add value while Generative AI has the potential to be a disruptor, but should be used with caution.
Read MoreMore than 7,500 loan officers in all 50 states have access to cash offers that can be approved in as little as an hour; NEO Home Loans, American Financial Network are among the biggest partners. One year after officially launching a suite of power buyer tools for mortgage lenders, real estate technology provider zavvie says more than 7,500 loan officers in all 50 states and Washington, D.C., have access to cash offers that can be approved in as little as an hour.
Read MoreMore homes are being purchased today with cash — nearly one in three — than at any time in the last decade, according to the National Association of Realtors, adding to the enormous challenges first-time buyers face in today's market. Continued increases in average housing prices, pending home-buying commission changes, and a lack of affordable housing inventory add to the hurdles. "Even if first-time buyers have the down payment and they qualify for a mortgage, they have not been able to compete against all-cash buyers," said Josh Mettle is Division President of NEO Home Loans. "But over the last year, we found a way to change the game by giving first-time buyers and others the ability to make cash offers," he added.
Read MoreOn this week's episode of Real Estate Insiders Unfiltered, Lane Hornung, CEO and co-founder of alternative financing platform zavvie, talks about the momentum shift from seller-focused, "fix and flip" iBuying to "power buying" (think bridge loans and beyond). "Power buyers allow the open market to function," Hornung said. "They're just bringing liquidity into the equation and then still allowing the client to get what the market will bear in both the purchase of their property and the sale of their property."
Read Morezavvie's Maya Velasquez joins today's podcast for a chat about the emerging buy-before-you-sell space and discusses how modern bridge solutions are empowering buyers
Read MoreAmerican Financial Network (AFN) has announced it is teaming up with software technology company Zavvie, whose offerings include the Cash Offer program that provides contingency-free financing for homebuyers. According to a statement from Zavvie co-founder Lane Hornung, the program creates more loan officer business activity and increases gross commission income by as much as 33%.
Read MoreFind out which of zavvie’s products might be the best fit for your business
Request Demo