---
title: "What is Padzilly? (B1124-001)"
description: "A home search that knows what you can actually buy — and why it is free for you."
url: https://homes-support.padzilly.com/en/articles/19-what-is-padzilly-b1124-001
collection: "General"
updated: 2026-10-01
language: en
alternates: [es]
---

# What is Padzilly? (B1124-001)

A home search that knows what you can actually buy — and why it is free for you.

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.**

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### What makes it different

**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.

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### What you can do with it

-   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
    

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### What it costs you

**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.

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### Starting without a lender

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.

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### Who it is for

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.