A buy-side cash offer product: the program fronts cash on the home you're buying so the seller sees a non-contingent offer. You reimburse at mortgage closing a few weeks later.
UpEquity's core product is backward from what most of our reviews describe. It's not a way to sell your current home — it's a way to buy your next one. The program makes the cash offer on the house you're purchasing, closes with its own money, and sells the contract to you about two weeks later when your mortgage funds. The seller sees certainty; you get the house. The cost is roughly 2% of the purchase price plus a $500 admin fee, and it's paid at the reimbursement close.
We rate this a 5.8 because most buyers who think they need it probably don't. An appraisal-gap guarantee or a 30-day close commitment from your lender solves a huge share of multiple-offer losses at far lower cost. UpEquity is the right tool when you've already run that math and concluded the certainty gap is real.
Qualify, get a reimbursement commitment up to a stated purchase-price cap. Make an offer on a home with UpEquity as the buyer of record. Close at that price with UpEquity's funds. Your mortgage closes 14–21 days later; you buy the home from UpEquity at the original price plus the 2% fee. In most states, this is structured as a double-transfer close. Your state's transfer-tax treatment of the two legs is the first thing to check.
5.8 / 10. Niche but well-executed. If you're losing multiple-offer situations to cash buyers and your lender can't match the speed, UpEquity is the structurally cleanest way to reframe your offer as cash. In any other scenario, the 2% premium outruns the benefit.
We'll model it against an appraisal gap and a fast-close mortgage commitment for your market.
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