Buyers with FICO 520+ who can show stable income, 10%+ down payment, and the ability to repay under our Ability-First Mortgage program.

No. Your client becomes the owner the same day Doorly buys the home in cash.

Yes — but your role shifts slightly because Doorly is the buyer on the purchase contract, not your client. Your client shops for homes inside the Doorly app, saves favorites, schedules showings, and requests offers directly. Once they choose a home, Doorly steps in as the purchaser, and our internal real estate team manages the transaction through closing.

By registering with DoorlyPro, Realtors can:

-Continue supporting their client throughout the journey
-Track the buyer’s progress and milestones
-Receive referral compensation when the client closes
-Stay informed through a dedicated partner dashboard

Doorly uses a modern, fully compliant mortgage structure called the Ability First Mortgage (AFM) — designed for buyers who can truly afford a home but may not fit a traditional lender’s guidelines. It’s a real 30-year, fixed-rate mortgage secured by your home, with standard monthly payments and no balloon notes, no leases, and no rent-to-own conditions.

Your rate and terms are based on your application, credit profile, and verified ability to repay — and you receive all disclosures before closing, just like any traditional home purchase. Doorly also requires a minimum 10% down payment, which can come from your own savings or eligible gift funds.

The key difference is how Doorly gets you into the home: we buy it in cash first, then complete a same-day resale so ownership transfers to you immediately with a clean title in your name.

Some companies may look similar on the surface, but their models work very differently and can expose buyers to risks they don’t always realize. Many of those programs rely on individual investors to buy the home for you using a DSCR loan, which creates an underlying mortgage on the property that you don’t control. If that investor ever stops paying their loan, the lender can foreclose, even if you’ve made every payment on time.
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Doorly never uses investors or DSCR loans. We buy the homes ourselves in cash and transfer the deed directly into your name at closing, so there are no hidden liens, wrap-around loans, or delayed ownership. Doorly is built to protect you, not put you at risk.