OfferPro is Padzilly’s dynamic offer tool. It uses your Loan Profile (via LoanLink or manual entry) and your Homebuying Budget to help you craft offers that stay within guidelines. You can tune the offer price, seller contributions, and down payment, or tap Auto-Qualify and let Padzilly attempt to assemble a qualifying offer for you.
What updates as you work: Padzilly recalculates payment, cash needed, and offer terms in real time and shows your status before you print offer letters.
From your SearchPro results, open the home you want to pursue and launch OfferPro.
Auto-Qualify (one-tap): Padzilly uses your connected lender approval (via LoanLink) and your Homebuying Budget to attempt a compliant offer automatically (price, contribution, down payment within program limits). Review the result and tweak as needed.
If no approval is connected, Auto-Qualify uses typical assumptions and will prompt you if something required is missing.
Manual: Adjust the inputs yourself (Steps 3–5 below). Padzilly checks guideline limits and updates the math instantly.
Increase when a home is competitive or under-priced; we’ll update payment and cash.
Decrease to bring the home within your budget or qualification limits.
Increase to reduce monthly payment and cash needed at closing (and potentially remove/shorten mortgage insurance depending on program).
Minimums enforced: OfferPro won’t allow values below program minimums (FHA, Conventional, VA, etc.).
Ask the seller to cover eligible closing costs and, where allowed, apply credits to a rate buydown.
Guideline caps enforced: FHA/Conventional/VA each have contribution limits that vary by program and down-payment tier. OfferPro keeps you compliant.
If enabled by your lender/loan, OfferPro can allocate part of the credit to rate buydown to lower the payment.
Combine price changes, down-payment adjustments, and seller credits. OfferPro can also factor down-payment assistance (DPA) and county/program limits when you’ve provided those in your Loan Profile.
See a clear breakdown of:
Offer Price
Seller Contributions (and any allocation to rate buydown)
Down Payment
Monthly Payment
Total Cash Needed to Close
Interest Rate (if rate buydown applies)
Generate an offer letter that includes your customized terms and live financials.
Verification (optional): If enabled, the letter can include a verification link or QR code so the seller can quickly validate your approval/qualification.
If you get a counteroffer, open OfferPro again, tweak price/credits/down payment, and regenerate a new letter in seconds.
Auto-Qualify is an attempt: Padzilly assembles the best-fit combination under your approval and program rules; you’re always free to adjust the details before generating a letter.
Homebuying Budget interaction: If your lender approval allows a higher payment than you want, you can still lower your Max Monthly Payment in your Homebuying Budget so OfferPro keeps results within your comfort zone.
Condo shoppers (FHA): Many communities aren’t FHA-approved; check eligibility or preview with a 5%-down Conventional scenario.
Final qualification and exact terms are determined by your lender after full review.
What if I don’t have a connected approval?
OfferPro still works. You can enter loan details manually and use assumptions. Auto-Qualify will guide you if required items are missing.
Can I edit values after using Auto-Qualify?
Yes. Auto-Qualify is a starting point—you can fine-tune price, contribution, down payment, and print an updated letter.
Will my offer always meet guidelines?
OfferPro enforces known program limits and uses your approval when connected, but only your lender can issue a binding approval. Results are estimates and not a commitment to lend.
