Ribbon by Hurst Lending is an alternative home finance company providing portfolio loans so you can Buy Before You Sell, make a Cash Offer, or buy even if you don’t qualify for a conventional loan. We also offer creative programs to help you access your equity, even with low credit scores or inconsistent income.

No. Ribbon is not an iBuyer. iBuyers purchase your home and rent it back to you. Ribbon does not purchase customers’ existing homes—we provide short-term financing that enables you to Buy Before You Sell, make all-cash offers, and access your equity in creative ways.

Why are Ribbon’s cash-backed offers more competitive?

They remove financing and home-sale contingencies. Backed by a fully underwritten loan and a proof-of-funds letter, Ribbon helps buyers stand out in competitive offer situations.

Eligible properties typically include single-family homes, condos, and townhouses. Programs may be used for primary residences, second homes, and investment properties (subject to eligibility).

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Frequently Asked Questions

Q: How do I get started with Ribbon?

Home buyers, wholesale mortgage brokers, and real estate agents can get started online. Submit a short form and our team will follow up to match you with the right program.

Q: How does Ribbon’s Buy Before You Sell program work?

It lets you secure your next home before selling your current one—with less stress, no rent-back, and an option to skip double payments. You purchase with a short-term facility and then refinance or repay after your sale closes.

Q: What is Ribbon’s Buy Before You Sell program?

A short-term bridge solution that enables you to buy first, then sell. See the dedicated Buy Before You Sell page for detailed FAQs, eligibility, and timelines.

Q: What’s the difference between RibbonCash (old program) and Ribbon’s new Dominate with a Cash Offer Loan®?

RibbonCash involved Ribbon purchasing a home on the buyer’s behalf and leasing it back until the buyer secured financing. The new Dominate with a Cash Offer Loan provides a short-term loan and proof of funds so buyers can make a true cash offer without liquidating assets. After closing, buyers can repay within six or 11 months or refinance into a long-term mortgage.

Q: Is Ribbon a rent-to-own program?

No. Ribbon provides a short-term bridge loan that lets you make a winning cash offer without liquidating assets. It is not a rent-to-own arrangement.

General

Ribbon Offer Details

General

About Ribbon

What is Ribbon?

Ribbon by Hurst Lending is an alternative home finance company that provides portfolio loans to enable you Buy Before You Sell, Make a Cash Offer, or Buy if You Don’t Qualify for a Conventional Loan. We also offer a number of creative loan programs to help you access your equity (even if you have low credit scores or inconsistent income).

Where is Ribbon available?

Ribbon offers alternative home finance solutions in many parts of the United States. Please visit our markets page for a list of the states where we offer our industry-leading programs.

How does Ribbon make money?

Ribbon by Hurst Lending earns revenue through lender fees charged when a loan closes. We charge a simple 1 to 1.5% origination fee plus typical lender costs for our bridge loans originated directly by Ribbon by Hurst Lending.

Is Ribbon an iBuyer?

No, Ribbon is not an iBuyer. iBuyers are companies who purchase your home and rent it to you. Ribbon does not purchase customers’ existing homes; we provide loans to enable homebuyers to Buy Before You Sell, make all-cash offers, and access your equity in creative ways.

How do I get started with Ribbon?

Home buyers/owners, mortgage brokers, builders, and real estate agents can get started by clicking here.

Ribbon Offer Details

Buy Before You Sell

How Does Ribbons Buy Before You Sell Program Work?

Ribbon’s Buy Before You Sell program lets you secure your next home before selling your current one – with less stress, no rent-back, and an option to skip double payments.

What is Ribbon's Buy Before you Sell Program?

To learn more about Ribbon’s Buy Before You Sell Program click here.

Cash Program Overview

What’s the difference between RibbonCash (old program) and Ribbon's new Dominate with a Cash Offer Loan®?

RibbonCash was a program where Ribbon purchased a home on the buyer’s behalf and leased it back until the buyer secured financing. In contrast, our new Dominate with a Cash Offer Loan provides buyers with a short-term loan and proof of funds to make a true cash offer without having to liquidate assets. After closing, buyers can either repay our bridge loan within six or 11 months or refinance into a long-term mortgage.

Is Ribbon a rent-to-own program?

No. Ribbon is not a rent-to-own program. Ribbon provides a short-term bridge loan to enable you to use our funds to make a winning cash offer without having to liquidate your assets.

Why are RibbonCash Offers more competitive?

RibbonCash (now Ribbon’s Dominate with a Cash Offer loan®) removes financing and home-sale contingencies. Backed by a fully underwritten loan with a proof of funds letter, Ribbon helps buyers stand out in competitive offer situations.

What homes qualify?

Eligible properties include single-family homes, condos, 2-4 unit properties, and townhouses. Ribbon can be used for primary residences, second homes, and investment properties.

Does Ribbon support investors?

Yes. Ribbon’s bridge loans are available to investors, as well as primary and second-homebuyers.

Pricing

How much does it cost to use Ribbon?

Ribbon charges a simple 1% to 1.5% origination, along with typical lender fees, when you draw against our short-term loan for your new home purchase. This applies to loans directly originated by Ribbon by Hurst Lending.

Is Ribbon by Hurst Lending's new offers cheaper than Ribbon's historic programs?

Yes. We have replaced Ribbon’s historic offers with Hurst Lending’s offers, which are much more competitive and are frankly much less expensive.

What if my offer isn’t accepted?

If you offer is not accepted, there is no fee owed to Ribbon by Hurst Lending.