Padzilly is a home search that knows what you can actually buy.
Every other listings site shows you houses and leaves you to guess whether you can afford them. Padzilly takes your real mortgage approval, applies it to every listing, and tells you plainly: green means this home works for you, red means it does not.
It uses your real loan, not a calculator. When your loan officer uploads your approval, Padzilly has your actual rate, your loan program and your limits. The payment you see on a house is yours, not an average.
It counts the things other sites leave out. The payment includes property taxes, homeowner's insurance, mortgage insurance and the HOA fee. That last one is why a $400,000 condo and a $400,000 house are completely different purchases — and why filtering by price misleads people.
It tells you the cash, not just the payment. Alongside the monthly figure you get your cash to close: down payment plus closing costs, less any credits.
It lets you change the deal. In OfferPro you can adjust the offer price, the down payment and the seller contribution, and watch the numbers move in real time. Homes that fail at asking price often work on a realistic offer.
Search the MLS and filter by what you qualify for, not just by price
See your real payment and cash to close on every listing
Structure offers in OfferPro, or press AutoQualify and let Padzilly find a combination
Save homes, compare up to five side by side, and leave notes your loan officer and agent can answer
Save searches and get emailed when new homes fit your numbers
Get alerted when a home you saved changes price or status
Print a qualification letter for a specific property
Ask your agent for a showing
Nothing. Padzilly is free for homebuyers. Your lender pays the subscription — they are the one who benefits commercially when you buy a house, so they are the one funding the tools.
You do not have to wait. Create an account, tell Padzilly your maximum monthly payment and your available cash, and it builds a Temporary Loan Profile assuming a conventional loan with 5% down. Everything works; the figures are estimates rather than your lender's decision.
When you are ready, invite your loan officer with LoanLink — their name and email is all it takes — and every number across the whole platform becomes real.
Buyers who are tired of falling in love with houses they cannot finance.
If you have ever found the perfect home, called your loan officer, and been told no — Padzilly exists so that conversation happens before you get attached, not after.
