OfferPro is where you stop looking at a home's asking price and start building the offer you would actually make. You change three things, and Padzilly recalculates your payment and your cash to close while you watch.
Offer Price. Move it up or down from the asking price. Padzilly tells you where you have landed — below asking, at asking or above asking — so you always know what you are proposing relative to what the seller wants.
Down Payment. Put in more cash and your monthly payment drops. Push it far enough and you can eliminate mortgage insurance entirely, which often saves more per month than people expect.
Seller rebate (contribution). What you are asking the seller to pay on your behalf. This is the control most buyers underuse, and it has two separate jobs:
For closing costs — the seller's money covers your settlement costs, so you bring less cash to the table
For rate buydown — the seller's money buys your interest rate down, so your monthly payment drops for the life of the loan
There is also Auto buydown, which works out that split for you.
That distinction is worth understanding. The same $10,000 from a seller can either reduce what you need on closing day or reduce what you pay every month for thirty years. Which one you want depends on whether your problem is cash today or payment tomorrow.
Two figures, live:
Monthly payment — the full payment, including taxes, insurance, mortgage insurance and any HOA fee.
Cash to close — your estimated out-of-pocket cost: down payment, settlement expenses and prepaid items, reduced by any seller rebate or credit.
Both of them stay colour-coded against your loan approval, so you can see the moment an offer crosses from "does not qualify" into "qualifies".
Reset puts everything back to the listing's original figures if you have gone too far and want to start again.
AutoQualify finds a combination that works instead of making you hunt for it by hand.
One thing about it that nobody tells you and you should know: AutoQualify includes a 3% payment buffer. It deliberately qualifies you a little below your actual ceiling, to protect against variances in insurance, taxes and escrow estimates. So you are not approved right up to the last dollar of your limit, where a tax reassessment six months later becomes a problem.
That buffer is a feature, not a bug. If a home qualifies under AutoQualify, it qualifies with a little room in it.
OfferPro works off your real loan, so it needs one. Depending on where you are, you will see:
A prompt to sign up free if you are browsing as a guest
A prompt to invite your loan officer if you have an account but no loan
A note that Padzilly is waiting for your approval if your loan officer has been invited but has not uploaded it yet
In all three cases the fix is the same: get your approval into Padzilly. Everything else on the platform gets better at the same time.
Do not start by lowering the price. Start by asking what the seller contribution could do, because a seller who will not drop the price will often pay your closing costs — it costs them the same money and reads better on paper.
And once you have a combination that qualifies, write the numbers down before you call your agent. "I can do $385,000 with $8,000 toward closing" is an offer. "What can I afford?" is a conversation.
For a full walkthrough of OfferPro, see OfferPro: Build & Auto-Qualify Your Offer.
