Each review starts with the current Purchase and Sale Agreement, runs the fee stack against our $525k sample transaction, and tests the program against its category peers. We weight transparency, net proceeds, agent choice, and state availability. We do not accept program dollars for placement.
The clearest fee disclosure we've reviewed. 85% upfront, 100% of overage forwarded to seller after 4.99% + monthly carry. Seller keeps their agent on the retail leg.
The most transparent of the iBuyers on service fees; the repair-deduction line remains the swing variable. Cash Plus pilot narrows the discount to ~84% in three markets.
The default for contingent-offer trade-ups in its live markets. Two-stage close is legally clean where it operates, but the 7% convenience fee floor caps the upside.
Solid mechanics, stacked fee sheet. 81.7% upfront but the 6.5% + 1% + 6% + $795 waterfall eats what Cash Offer Plus programs keep for the seller.
Historical review. UpEquity wound down consumer operations in 2022; retained here for reference only. Power buyer on the buy side — sellers reimbursed the program rather than selling to it.
Sunbelt footprint with the tightest iBuyer close times we track (8–10 days). Repair estimate runs higher than Opendoor's on comparable homes; re-negotiation rate is the thing to watch.
Knock's consumer Home Swap wound down; current product is Knock Bridge Loan, offered B2B through partner lenders and agents. Consumers now access Knock through their mortgage broker or agent.
Historical review. Orchard wound down Move First in 2023 and now operates Orchard Financing through lender/agent partners. Strong concierge experience when live; fee stack was the steepest in the trade-up category.
70% upfront advance against appraised value but the waterfall share to seller is less favorable than Zoom Casa's. Strong partner-agent program and marketing polish.
Every rating on this site is built from four inputs, weighted to the decision a seller actually has to make. We read the Purchase and Sale Agreement — not the marketing — and the fee disclosure. We run the program's math against our standard sample transaction (a $525,000 ARV home in good condition, 45-day target close) and verify the states where the program is live. Then we score:
A program scoring above 8.0 is one we'd put in a seller's top two regardless of market. A 6.0 to 8.0 has a specific use case but not a universal one. Below 6.0, a specific constraint — a rare state footprint, an unusual home type — has to be doing real work for the program to be the right answer.
We'll send back the three that actually match your ZIP, timeline, and price band — plus the net-proceeds math.
Get matchedProgram launches, PSA revisions, and the two rankings shifts we think are worth acting on. No affiliate offers, no spam.