Mortgage Programs
GRB’s Cash+ programs provide buyers with a fully underwritten, cash offer that helps eliminate the contingencies that can put an offer at the bottom of the pile.
Go In Good As Cash With GRB's Cash+Mortgage
Fully Underwritten. Non-Contingent. Built to Compete.
In today’s competitive housing market, buyers often need more than a traditional offer to stand out.
Cash+Mortgage™ helps qualified buyers strengthen their purchase offers with a fully underwritten mortgage approval before they begin shopping for a home.1 By addressing financing upfront, buyers can submit non-contingent offers backed by a comprehensive review of their credit, income, assets, and ability to repay.
The result is a stronger purchase position, greater confidence for sellers, and a smoother path to closing.
Program Advantages
Buying a home can be competitive, especially when sellers are weighing multiple offers.
Cash+Mortgage is designed to help buyers stand out by completing the underwriting process before an offer is submitted. Rather than relying solely on a traditional pre-approval, buyers receive a fully underwritten approval that demonstrates key financing qualifications have already been reviewed.
This added level of preparation helps create confidence for sellers while giving buyers a stronger foundation from which to compete.
Benefits include:
- Financing secured before an offer is submitted
- Fully underwritten approval
- Greater flexibility if circumstances change
- Increased credibility with sellers
- Greater control over your next steps
- Local support from an experienced community bank
- Fully underwritten mortgage approval
- Non-contingent purchase offers
- Increased credibility with sellers
- No participation fee for qualified buyers2
- Local support from an experienced community bank
Confidence on Both Sides of the Transaction
What Buyers Gain:
-
Fully Underwritten Before You Shop
Key financing qualifications are reviewed before an offer is submitted, helping buyers move forward with confidence. -
A Stronger Purchase Position
Cash+Mortgage allows qualified buyers to submit non-contingent offers backed by completed underwriting, helping strengthen their position in competitive situations. -
No Participation Fee
GRB does not charge a participation fee for qualified buyers participating in the Cash+Mortgage program. Standard mortgage-related fees and costs may still apply. -
Greater Peace of Mind
Knowing a major financing step has already been completed allows buyers to focus on finding the right home. -
Local Expertise. Personal Service.
Work with an experienced mortgage team that understands the local market and is committed to helping you navigate the homebuying journey.
What Sellers Appreciate:
-
Financing Has Already Been Reviewed
A buyer's credit, income, assets, and ability to repay have already undergone a comprehensive underwriting review. -
A More Competitive Offer
Cash+Mortgage buyers submit non-contingent offers backed by a fully underwritten approval, helping strengthen confidence in the transaction. -
Appraisal Gap Coverage
Qualified Cash+Mortgage buyers agree to address potential appraisal gaps within established program guidelines, helping reduce a common source of delays and renegotiations. -
Greater Closing Confidence
Eligible transactions are backed by GRB's on-time closing guarantee, helping provide confidence as closing day approaches.3 -
Local Lending Decisions
Work with buyers backed by a local community bank committed to helping transactions move forward smoothly.
Frequently Asked Questions
What is Cash+Mortgage?
Cash+Mortgage™ is GRB's fully underwritten mortgage program designed to help qualified buyers submit stronger, non-contingent purchase offers.
By completing underwriting before a home is under contract, buyers can demonstrate that key financing qualifications have already been reviewed, helping create additional confidence for sellers during the offer process.
What makes a Cash+Mortgage offer stronger?
Cash+Mortgage™ is designed to help qualified buyers compete more effectively in competitive markets by combining a fully underwritten mortgage approval with a non-contingent offer structure.
By completing underwriting before making an offer, buyers can demonstrate that key financing qualifications have already been reviewed and approved, helping provide sellers with greater confidence when evaluating offers.
What does a fully underwritten mortgage approval mean?
A fully underwritten mortgage approval by GRB means income, assets, credit, and ability to repay have been thoroughly reviewed by our underwriting team before an offer is submitted on a home.
Once approved, the buyer receives a mortgage commitment subject to standard conditions such as finding a suitable property, satisfactory appraisal results, title review, and other customary requirements.4
This comprehensive review helps buyers better understand their purchasing power while providing sellers with added confidence that key financing qualifications have already been evaluated. For Cash+Mortgage buyers, that approval can support a stronger, non-contingent offer when competing for a home.
What does "non-contingent" mean?
A non-contingent offer means the purchase offer is not dependent upon obtaining mortgage financing after the offer is accepted.
Because Cash+Mortgage buyers complete underwriting upfront, sellers can move forward knowing a major financing hurdle has already been addressed.
Can self-employed borrowers qualify for Cash+Mortgage?
Yes. Eligible self-employed borrowers may qualify for Cash+Mortgage.
Unlike some programs that limit eligibility based on income type, GRB evaluates self-employed borrowers through its underwriting process and may be able to offer Cash+Mortgage when program requirements are met.
Your Mortgage Originator can review your individual circumstances and determine eligibility.
Is there a fee to participate in Cash+Mortgage?
No. GRB does not charge a participation fee for qualified buyers who participate in the Cash+Mortgage program.
Standard mortgage-related fees and costs may still apply.
What if the property does not appraise for the offer amount?
Cash+Mortgage includes GRB’s Appraisal Gap Solution, designed to help buyers remain competitive if a property’s appraised value differs from the agreed-upon purchase price.
Your GRB Mortgage Originator can explain the program structure and requirements in greater detail.
Is Cash+Mortgage the same as Cash+Secured?
No. Cash+Mortgage helps qualified buyers strengthen their offers through a fully underwritten approval and non-contingent offer structure.
Cash+Secured builds on that foundation by adding a dedicated funding source established before an offer is submitted, providing an additional level of certainty throughout the transaction process.
Level Up Your Purchase Offer
Whether you’re just getting started or ready to make your strongest offer possible, GRB has a mortgage solution tailored to your goals.
Let our team of experienced mortgage professionals show you how to strengthen your position and increase your chances of getting your offer accepted!
Pre-Qual
A quick way to estimate how much home you maybe able to afford before beginning your search.
- Fast application
- Estimate your budget
- No commitment
- Not a verified approval
Get Pre-qualified
Preapproval
A verified review of your finances that helps you shop with confidence and shows sellers you’re a serious buyer.
- Income verified
- Fully underwritten
- Preapproval letter
- Stronger offers
Get More Details
Secure financing upfront and create greater certainty from offer to closing.
- Dedicated funding source
- Fully underwritten
- Added closing security
- More control for buyers
Get More Details
Contact Our Mortgage Team
Click the button below to fill out our ‘Contact Us’ form, and a GRB Mortgage Originator will be in touch to answer your questions!
1 Buyer qualifying requirements include: GRB-ordered credit report with score of 700 or above; primary or secondary residence only (no investment properties); conventional and portfolio financing only; income types limited to wage earner, fixed income, assets as a basis for repayment, and self-employed borrowers who have filed the most recent year tax returns (cannot be on extension); and minimum 10% down payment required (borrower must document available funds at time of application for the pre-approval).
2 GRB does not charge any participation or program fees to apply for a Cash+Mortgage. Other standard conditions and fees still apply (verification of employment, title, homeowners insurance, etc.).
3 On-time closing guaranteed or GRB will pay the sellers $500 per day (up to $2500) if the loan closing goes past the contract closing date. Some restrictions apply:
- The contract is written with at least 30 days allowed for closing.
- The mortgage application is completed within 2 days of a fully executed contract.
- The borrower responds to any document requests within 2 business days and provides the requested documents at that time.
- Title (including survey map) is provided at least 7 days prior to the contract closing date and seller is able to provide marketable title.
4 To purchase the property as the buyer’s primary or secondary residence and that they will not perform any action detrimental to their credit including opening new debt prior to their closing. Other standard conditions include but are not limited to verification of employment, title, homeowners insurance, etc.
Find the Cash+ Program That Supports Your Purchase Goals
The Cash+Mortgage program is part of GRB’s Cash+ Family of Mortgage Programs. Compare Cash+Mortgage and Cash+Guarantee below to see which program will best support your purchase needs. Use the link below if you would like to learn more about Cash+Gurantee, or contact our Mortgage team!
* Buyers can have Cash+Mortgage and Cash+Guarantee preapproval letters in use simultaneously. However, only one Cash+Guarantee preapproval letter at a time for a specific property can be issued to a buyer.
Creating Wins for Everyone Involved
Buyers and sellers BOTH secure a number of benefits with a GRB Cash+Mortgage:
Buyers:
- GRB Cash+Mortgage is provided at no additional cost to qualified buyers. GRB does not charge any participation or program fees to apply for a Cash+Mortgage.
- GRB fully underwrites your loan upfront, assuring the seller that you meet all credit, income and cash-to-close requirements.
- Make your offer with full credit approval, removing any financing contingency.
- Your mortgage commitment is subject only to finding a suitable home, a satisfactory appraisal, and other standard conditions.3
- Close with a mortgage and a competitive rate from a local community bank!
Sellers:
- On-time closing guaranteed or GRB will pay the sellers $500 per day (up to $2,500) if the loan closing goes past the contract closing date.4
- The buyer provides an earnest money deposit (EMD) of at least 10% of the purchase price upon acceptance of their offer (held in escrow by the listing agent).
- In the event the house does not appraise for the offer price, the buyer agrees to shift down payment funds to cover the difference up to 95% loan-to-value.
- Work with pre-approved buyers backed by a local community bank!