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 OptionsTake The Next Step!
Is a Cash Offer really cash?
Yes, to the seller. AFC's bridge fund puts up the purchase money, so your offer has no mortgage, appraisal or home-sale contingency. It is a short-term loan secured by your homes, not free cash. After you move in and your current home sells, the sale pays it back and a standard mortgage takes its place.
How a Cash Offer works, in 5 steps
- 1Get approved firstOur Approval Team reviews your income, assets, credit and the equity in your current home. We approve your permanent mortgage up front, so you know the final payment before you commit.
- 2Write a cash offerWith proof of funds in hand, your offer goes in with no mortgage, appraisal or home-sale contingency.
- 3We fund the purchaseBridge funding in 10–15 business days after approval. A typical Cash Offer purchase closes in 2 to 3 weeks.
- 4Move in, then sellList your current home on your timeline, with up to 12 months. Interest accrues and is paid at payoff, so there is no monthly payment while you sell.
- 5Pay it off from the saleYour sale proceeds repay the Cash Offer and your permanent mortgage takes over. No prepayment penalty and no minimum interest.
What a Cash Offer costs
Cash Offer runs on AFC's own bridge fund at the same published price as our bridge loans. Nothing is due monthly. Everything is settled from your sale.
Want the bridge on its own, without the Cash Offer structure? See how our bridge loans in Connecticut work, step by step.
| Cost | Price | When you pay it |
|---|---|---|
| Origination | 2.5% of the loan | At payoff |
| Interest | 1% per month (12% a year) | Accrues, paid at payoff. No monthly payment. |
| Attorney and processing | $3,200 flat | At payoff |
| Wire | $50 | At payoff |
| Term | Up to 12 months | No prepayment penalty, no minimum interest |
Worked example: $200,000 paid off in month 4
$5,000 origination (2.5%) + $8,000 interest (4 months at 1%) + $3,250 fees = $16,250 total
Representative example: a $250,000 loan held the full 12 months costs $6,250 origination + $3,250 fees + $30,000 interest = $39,500 total cost of credit, an APR of about 16.4%. Your cost depends on the loan amount and how long you hold it. Subject to approval; not a commitment to lend. AFC Mortgage Group, LLC · NMLS #2801 · Equal Housing Lender.
Cash Offer vs bridge loan vs contingent offer
All three let you buy before you sell. They differ in what the seller sees and what it costs you.
| Compare | Cash Offer | Bridge loan | Contingent offer (Hubbard clause) |
|---|---|---|---|
| What the seller sees | Cash terms | Financed offer, no sale contingency | An offer that depends on your sale, usually with a kick-out clause |
| Contingencies you drop | Mortgage, appraisal and home sale | Home sale | None |
| Cost | 2.5% + 1%/month + $3,250 fees | 2.5% + 1%/month + $3,250 fees | No lender cost. The risk is a higher price or losing the house. |
| Monthly payment while you sell | None. Interest is paid at payoff. | None. Interest is paid at payoff. | Nothing new |
| Timing | Funding in 10–15 business days after approval. Typical purchase closes in 2 to 3 weeks. | Funding in 10–15 business days after approval | Tied to your home sale |
| Best when | Multiple offers, or you are up against cash buyers | You need your equity for the down payment and you are listed or about to be | A slow market, or a seller willing to wait on your sale |
Cash Offer and bridge loans are funded from AFC's own bridge fund at the same price. See the representative APR example above.
Westport, MA to Tennessee
$390K bridge loan, funded 7 business days after approval.
90 bridge loans funded since 2024 ($38.9M). Median 59 days from funding to payoff on buy-before-you-sell bridges. 0 defaults to date.
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
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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.
Funding can be ready in 10–15 business days after approval.
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 funding can be ready in 10–15 business days after approval.
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 and make a strong, non-contingent offer.
Funded in 10–15 Business Days After Approval
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?
When does AFC step in, before or after I'm under contract?
Do I have to sell my current home first?
How fast can I close?
What will my final monthly payment be?
What does the program cost?
Is the interest charged only while I wait for my home to sell?
How long do I have to pay you back, and is there a prepayment penalty?
What will I actually walk away with?
Will this hurt my credit? Is it another hard pull?
Is the permanent mortgage some kind of exotic loan?
Do I have to pay off my debts to qualify?
How much will you lend?
What's the first step?
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.
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