How It Works
Padzilly transforms a traditional mortgage approval into an interactive home search experience that keeps borrowers connected to their loan officer throughout the home shopping process.
Upload the Borrower's Approval
Once a borrower is approved or pre-qualified, the loan officer uploads the loan profile into Padzilly. The system securely captures the financing details needed to evaluate homes based on the borrower's actual approval.
Search Homes Using Real Loan Parameters
As borrowers browse homes, Padzilly analyzes each property using their actual loan approval rather than generic mortgage calculator assumptions. Monthly payments, cash-to-close estimates, and affordability calculations are tailored to the individual borrower.
Explore Affordability Scenarios Instantly
Borrowers can evaluate different offer strategies by adjusting factors such as purchase price, down payment, and seller contributions. Padzilly instantly recalculates affordability and qualification impacts for each property.
Account for Real-World Financing Options
Unlike traditional home search tools, Padzilly can incorporate financing factors that often have a significant impact on affordability, including down payment assistance programs, seller contributions, and eligible rate buydown scenarios when applicable.
Help Borrowers Shop with Confidence
Borrowers gain a clearer understanding of what they can afford before making an offer, while loan officers remain connected to the home search process. The result is better-informed buyers, fewer surprises, and a more efficient path from approval to closing.
Padzilly helps loan officers stay engaged with their borrowers, reduce borrower drift, and provide a home search experience based on real financing—not estimates.
Download the Padzilly mobile app. from the
Google Play or AppStore
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