Padzilly is built around one idea: you should know what a house costs you before you fall in love with it. Here is how that plays out, step by step.
Go to Profile → Your lender and use LoanLink. Enter your loan officer's name and email. They upload your approval from their side — you never have to attach a document.
While you wait, Padzilly gives you a Temporary Loan Profile (conventional, 5% down) so nothing is blocked.
This step is the whole product. Everything below gets better the moment your real approval lands.
Turn on the Payment and Cash Needed filters. Now the results only contain homes whose full monthly payment and cash to close fit your numbers — taxes, insurance, mortgage insurance and the HOA fee all included.
Add the ordinary filters too: beds, baths, home type, lot size, year built, garage, No HOA, Price Reduced. Or draw an area on the map when what matters is a few specific streets.
Open a listing and you get more than photos:
Two figures, colour-coded — payment and cash to close, green if the home works for you
Payment Composition — where every dollar of the payment goes
Property history — every price cut, relisting and status change, which is your negotiating intelligence
Environmental risk — FEMA hazard ratings for the area
What is nearby and nearby schools
Notes you can leave for your loan officer and agent
Heart the ones you like. In Favorites you can sort them, and compare two to five side by side — features and financials together. Comparing by payment rather than price is where the real differences show up.
Padzilly then watches those homes and emails you if the price or status changes.
Save Search keeps your filters — including a drawn map area — and emails you up to six new matching homes at a time, only ones you have not seen. Your agent gets them too.
On a home you are serious about, open OfferPro. Adjust the offer price, the down payment and the seller rebate — and point that rebate at either your closing costs or a rate buydown. Watch the two figures move until they are green.
Or press AutoQualify and let Padzilly find a working combination, with a deliberate 3% payment buffer built in.
Print a qualification letter for that property — calculated from your real approval, which is what a seller's agent wants to see.
Then Request Showing, and your agent arranges it. You will need the home favorited and qualifying first, which is the point: nobody drives across town for a house that was never going to work.
You arrive at the offer knowing the payment, the cash, and exactly which structure qualifies — with a letter to back it. Most buyers arrive asking what they can afford.
That difference is the whole reason Padzilly exists, and it costs you nothing: your lender pays for it.
