Transform any mortgage-backed offer into an all-cash offer with automated underwriting.
Accept.inc, now fully integrated into the HomeLight ecosystem as of 2026, operates as a high-velocity PropTech platform that leverages automated underwriting and predictive risk modeling to convert traditional home buyers into all-cash buyers. The technical architecture utilizes a proprietary valuation engine (AVM) and instant asset verification protocols to eliminate the standard 30-day financing contingency. By assuming the transactional risk via an algorithmic credit-backing layer, Accept.inc enables buyers to secure properties in competitive markets where cash is the primary differentiator. For 2026, the platform has evolved its AI capabilities to include real-time market volatility adjustments, ensuring that cash-back guarantees remain solvent even during rapid interest rate fluctuations. The platform serves as a critical bridge between legacy mortgage processes and the demand for instant transactionality, providing agents and lenders with a programmatic way to offer 'Cash-on-Demand' services to qualified consumers. Its market position is defined by its ability to neutralize the 'contingency disadvantage' faced by first-time homebuyers against institutional investors.
Accept.
Explore all tools that specialize in predictive valuation. This domain focus ensures Accept.inc (by HomeLight) delivers optimized results for this specific requirement.
Uses machine learning to analyze hyperlocal historical sales, current market trends, and property-specific features.
Direct API hooks into 15,000+ financial institutions to verify liquidity in seconds.
A programmatic legal framework that transfers financing risk from the buyer to Accept.inc.
Real-time adjustment of cash-backing fees based on interest rate volatility and market liquidity.
Automated workflow for title search and escrow management to accelerate closing cycles.
Generates white-labeled cash offer marketing assets for real estate agents.
Automatically adjusts offer contracts to comply with state-specific real estate laws.
Agent or Buyer registration via the HomeLight/Accept.inc portal.
Integration of financial accounts via Plaid for instant asset verification.
Submission of property details for AI-driven appraisal and valuation.
Algorithmic risk assessment of the buyer's credit and debt-to-income profile.
Issuance of a 'Cash Offer' certification letter for the specific property.
Submission of the all-cash offer to the seller's agent.
Accept.inc purchases the home on behalf of the buyer if the offer is accepted.
Buyer moves into the home immediately under a temporary occupancy agreement.
Buyer finalizes traditional mortgage financing with an integrated or external lender.
Final title transfer from Accept.inc to the buyer upon mortgage funding.
All Set
Ready to go
Verified feedback from other users.
"Users praise the platform's ability to make their offers competitive against corporate buyers, though some find the transaction fees high for lower-priced homes."
Post questions, share tips, and help other users.
Zintro connects teams with highly specialized respondents and experts for qualitative and quantitative market research.
Zalando Virtual Fitting Room enhances the online shopping experience by allowing customers to visualize clothing on personalized avatars, reducing returns and increasing satisfaction.
Find your co-founder through Y Combinator's network and expertise.
Workato's Enterprise MCP is the #1 iPaaS, designed to bring enterprise context, trust, and accuracy to AI initiatives.
WooCommerce empowers you to build, sell, and grow your online store on your terms with a fully customizable, WordPress-powered platform.
WooCommerce empowers you to build, sell, and grow your online store with full customization and control.