Is Padzilly Free? (B1124-024)

Yes! Padzilly is completely free for homebuyers. You can use all the powerful features of Padzilly to search for homes, estimate your monthly payments, and calculate the cash needed to buy—without paying a fee.

How Does Padzilly Make Money?

Padzilly’s pricing model is subscription-based, but it’s the lender who pays for the service, not the buyer. When your lender uploads your loan approval to Padzilly, they’re the ones paying for access to this innovative tool. This allows us to provide homebuyers with a free, hassle-free experience, while ensuring you get the most accurate information about the homes you qualify for.

What If My Lender Won’t Subscribe?

Sometimes, some national lenders or banks don’t allow their individual loan officers to subscribe to services like Padzilly. These institutions would need to join Padzilly through a corporate level, which typically involves time and system integrations.

But don’t worry! If your lender is not or cannot subscribe at this time, click here to learn more about why and what options you have.

Homebuyer Subscription Option.

For a one-time nominal fee of $19.95, you can subscribe directly to Padzilly. This option allows you to fully access Padzilly's features even if your lender isn’t participating. [Click here to subscribe] [link placeholder].

With this subscription, you can:

Request Your Loan Documents – Simply request your URLA (Uniform Residential Loan Application) and an Itemization of Amount Financed document from your lender.

Padzilly Profile Setup – Once you have these documents, we will create your approval profile in Padzilly, allowing you to enjoy all the benefits, including the powerful OfferPro and SearchPro tools.

Full Access to Padzilly Features – With your custom profile, you’ll be able to see accurate monthly payments and cash needed to buy, use advanced offer structuring, and include seller contributions as part of your home search criteria.

Customized Offer Letters – You will also be able to print customized offer letters using the terms calculated in OfferPro, helping you structure and present the best possible offer to sellers.

This is a one-time fee for unlimited use, so once you subscribe, you can continue using all of Padzilly’s features without any additional cost.

While Padzilly is always free for homebuyers when their lender subscribes, we offer a direct subscription option for a one-time fee of $19.95 if your lender does not participate. This ensures that you never miss out on the full capabilities of Padzilly, regardless of your lender’s policies. So whether you’re working with a participating lender or subscribing directly, Padzilly is here to help you find and afford the perfect home—complete with powerful tools like OfferPro and customized offer letters.