Padzilly combines two things to decide which homes to show you:
Your loan profile — your loan program and its terms. This comes from your lender.
Your homebuying budget — your comfort limits. This comes from you.
Together they power your search filters, the what-if scenarios in SearchPro, and the offers you build in OfferPro.
You do not upload your approval yourself. There is no document to attach and nothing to scan. Your loan officer uploads it from their side, and it then appears in your account automatically.
To get that moving, go to Profile, find the Your lender section and use LoanLink. You enter your lender's name and email address, and Padzilly handles the rest:
If they already have a Padzilly account, you are linked
If they do not, they get an invitation; the link completes when they register
There is also a Copy link option if you would rather send the invitation by text.
While a request is pending the section shows Request pending and an Expires in countdown. If that countdown is running low and you have not heard back, call your loan officer — the invitation is usually sitting unopened in an inbox.
You are not stuck waiting. Padzilly gives you a Temporary Loan Profile, which assumes a conventional loan with 5% down and uses the budget figures you entered. It is enough to search with real numbers from day one — it is just not a pre-approval. There is a separate article on what it can and cannot do.
Two figures, in Profile → Homebuying Budget:
Max Monthly Payment — the most you want to pay each month, taxes, insurance, mortgage insurance and HOA included.
Funds available — your cash for the down payment and closing costs, less any credits such as a seller contribution or down payment assistance.
Both figures are locked to what your lender approved, and Padzilly says so on screen: Locked to your loan-approved cap of $X. Toggle the checkbox below to use a lower limit.
Both of them can be lowered. There are two checkboxes:
Search with lower payment → then set your own payment limit
Search with less available cash → then set how much cash you want to use
So you can shop at $2,400 a month when you are approved for $2,900, and you can tell Padzilly you only want to put $15,000 in when the approval assumes $25,000.
Neither can be raised. The ceiling is your lender's decision, and no setting in Padzilly moves it. What you decide is whether to use all of it.
Searching below your approval is not a limitation to work around — for most buyers it is the better way to shop.
The same section records credits that reduce your cash — lender credit, realtor credit, builder credit, employer credit, buyer assistance, down payment assistance and other credits — and your age-restricted communities preference: include all homes, exclude them, or search only those.
If you have been told you qualify for down payment assistance, put it in. It changes the cash-needed figure on every home you look at.
Nothing applies until you save. Then go back to the search and your results, your filters and every payment figure will reflect the new numbers.
Once your lender's approval is in, your rate, your loan program, your limits and your lender's own property-tax rules all start applying. The payment on a property page stops being an estimate and becomes the number a lender has effectively agreed to — which is the only number worth making an offer on.
