Win the home your family loves — before you sell the one you're in.

You found it. Now make an offer sellers can't ignore — cash-backed, non-contingent, with up to 100% financing — and move in before your current home even hits the market. No fire sale. No double mortgages. No watching someone else get the keys because their offer wasn't waiting on a sale. Our family gets yours into the home.

Stuck Behind a Hubbard Clause? Here’s How to Remove It

In Connecticut, a Hubbard clause makes your purchase offer contingent on selling your current home first. It protects you — but in a competitive market it’s often the reason your offer keeps losing. Many sellers pass over Hubbard offers entirely, and even an accepted one usually carries a kick-out clause that lets the seller keep showing the home behind you.

You don’t remove a Hubbard clause by negotiating harder — you remove the need for it. AFC’s Cash Offer Program uses the equity in your current home so you can make a cash-backed, non-contingent offer on your next one. Buy first, move once, then sell your current home on your timeline.

No home-sale contingency — your offer competes with cash buyers
Buy and move first — no double moves, no short-term rentals
Sell after you’ve moved — an empty, market-ready home shows better
Local family-run lender — we underwrite and close in-house

No obligation and no credit pull to see your options.

See My Options

Take The Next Step!

In this market, the family that wins the home isn't the one who loves it most — it's the one whose offer isn't waiting on a sale. AFC makes you that family.

Make a Cash-Backed, Non-Contingent Offer on Your Next Home

No obligation. No credit pull. A real person — not a call center — picks up.

Secure Your
Next Home

Up To 12 Months To Sell Your Current Home

Refinance or Pay Off the Cash Offer

AFC's CASH OFFER

AFC's CASH OFFER loan allows you to submit a full cash offer without an appraisal or mortgage contingency.
You can close in as few as 7 business days.
Once you move into your home, you have up to 12 months to sell your old home and pay off the Cash Offer — with no prepayment penalty.

Here's What Our Clients Are Saying!

What Is AFC's Cash Offer?

AFC's Cash Offer lets you buy your next home before you've sold your current one. We finance up to 100% of the new purchase — secured by your current and new home — so you can make a strong, non-contingent offer, move on your timeline, and sell your existing home without the pressure of a deadline. Because we lend our own money in-house, you get fast answers and can close in as few as 7 business days.

Once your current home sells — you have up to 12 months, with no prepayment penalty — you simply pay off the Cash Offer. No double mortgages hanging over you, no rushed sale, and no losing your dream home because your offer had a sale contingency.

Why Choose AFC's Cash Offer?

Buy Before You Sell

Make an offer on your next home without waiting for your current one to sell.

Non-Contingent Offers

Compete like a cash buyer — sellers take you seriously when your offer isn't contingent on a sale.

Up to 100% Financing

Finance up to 100% of your next home's purchase price — make a strong, non-contingent offer.

Close in as Few as 7 Business Days

We lend our own money in-house, so you move fast when speed wins the deal.

Up to 12 Months to Sell

Sell your current home on your timeline, then pay off the Cash Offer — no rush, no fire sale.

One Local Team

From Cash Offer to permanent financing, AFC handles it all in-house — a real person, always.

No Pre-Payment Penalty

Pay it off the day your home sells — even if that's just a month later. You only pay interest for the time you actually use the loan. No penalties, ever.

Stuck in a Hubbard Contingency? There's a Faster Way.

In Connecticut, a Hubbard clause makes your purchase contingent on selling your current home first — and in a competitive market, sellers skip Hubbard offers entirely. Listing agents read "Hubbard" as "maybe, someday."

AFC's Cash Offer removes the Hubbard clause completely. We back your offer with our own capital, so you can buy your next home with no home-sale contingency — then sell your current home on your timeline, with up to 12 months.

No Hubbard clause — your offer competes with cash buyers
No double move, no rushed sale — sell after you're already in
One local team — we underwrite and fund in our own name, right here in Connecticut

Can I get out of a Hubbard contingency I've already signed?

Often, yes. If your offer was accepted with a Hubbard clause, converting to AFC's Cash Offer can remove the contingency and firm up your deal before the seller walks. Call us before your kick-out clock runs out.

Is the Cash Offer Right for You?

Move-Up Buyers

Trading up to a bigger home but need your current equity to make it happen.

Competitive Markets

Need a non-contingent offer to win in a tight, fast-moving market.

Timing Mismatches

You found the perfect home before your current one is sold.

Equity-Rich Owners

You have significant equity in your current home to leverage.

Downsizers

Buying your next chapter before listing the family home.

No Double Moves

Skip renting in between and avoid moving twice.

Cash Offer Program — Frequently Asked Questions

How does the cash offer program actually work?

We get you fully approved up front, then we put up the cash to buy your next home — so you can make an offer with no appraisal contingency and no mortgage contingency. You move in, sell your current home on your timeline, then refinance into your permanent mortgage. You shop as a cash buyer without having to sell first.

When does AFC step in — before or after I'm under contract?

Before. We pre-approve you for the cash offer now, so the moment you find a home you love, you can write a strong, non-contingent offer that weekend. The approval is already in hand — you don't wait until you're under contract to start.

Do I have to sell my current home first?

No — that's the entire point. You get access to the cash offer whether your current home is untouched, just listed, or already under contract with a buyer. You buy first and sell second, and never get caught carrying two mortgages you can't qualify for.

How fast can I close?

As few as 7 business days, and most clients close inside a month. Because it's a cash offer, you skip the appraisal and financing timelines that slow a traditional purchase down.

What will my final monthly payment be?

We answer that before you ever commit. We fully approve your end-loan refinance first — so you know your permanent mortgage payment before we approve the cash offer. Send us the address of any home you're considering and our team will model the exact monthly payment for you.

What does the program cost?

Three parts, and you pay nothing out of pocket while you're in it: a 2.5% origination fee on the cash offer amount, 1% per month interest that accrues (not paid monthly), and a flat $3,200 in attorney and processing fees, plus a $50 wire fee. Everything is settled when you sell your current home and pay us back — the faster you sell, the less you pay.

Is the interest charged only while I wait for my home to sell?

Yes. Interest accrues monthly and stops when you pay us back — and you pay us back when your current home sells. Nothing comes out of your pocket in the meantime.

How long do I have to pay you back, and is there a prepayment penalty?

You have up to 12 months. There's no prepayment penalty either — you can pay us back in as little as a week, and the less time you hold it, the less it costs. The program gives you room, not pressure: you're never forced to sell your home at a fire-sale price just to hit a deadline.

What will I actually walk away with?

We build the full math with you before you move forward: your expected sale price, minus closing costs, minus your current mortgage payoff, minus the cost of the program — which tells you exactly what's left and what your new mortgage will be. No surprises at the table.

Will this hurt my credit? Is it another hard pull?

It's a single credit pull, and a hard inquiry typically moves your score only three to four points — temporary, and it recovers. We won't pull your credit repeatedly.

Is the permanent mortgage some kind of exotic loan?

No. Your end-loan refinance is a standard Fannie Mae mortgage — the same conventional financing you'd get on any purchase. The cash offer is simply the bridge that gets you the home first.

Do I have to pay off my debts to qualify?

It depends on your numbers. In some cases proceeds from your home sale can clear balances like credit cards; in others, certain debts may need to be paid off to qualify for the end loan. Our team reviews your full picture — income, assets, and credit — and tells you exactly where you stand before you commit.

How much will you lend?

Up to 100% of the purchase price of your new home. We'll confirm your specific number as part of your approval.

What's the first step?

A quick application with income, asset, and credit documentation so our team can issue your proof of funds and pre-approval. From there, you're cleared to shop as a cash buyer.

A promise from our family to yours

We're not an app or a hotline. AFC is a family business — two generations of us, lending our own money and picking up our own phones. When you call, you reach a person who learns your name and your kids' names, and treats your move like it's our own family moving. Because getting you into the right home is the only thing that matters to us.

— The Ciambriello Family

Ready to win the home?

Get pre-approved in minutes. No SSN required to start. A real person picks up the phone — always.

Get Pre-Approved Today