How do I help my customer make an offer through Divvy?

How do we actually purchase the home?

Watch this short video and read the steps below


In a nutshell, the offer process with Divvy is as follows:

  • You initiate the offer in your Agent Portal

  • Divvy will review the home and conduct our valuation

  • Divvy will then reach out by phone to discuss the offer and settle on a price

  • Divvy asks your client for two things immediately following the offer initiation phone call. The following will be linked in an email to your client to be completed in their Divvy Portal:

    • Sign the Occupancy Proposal, stating that they are in agreement with the purchase price and associated payments

    • Pay a $500 good faith deposit prior to their first offer

  • Divvy will then be able to sign the purchase agreement, share it with you, and you may then forward it to the seller/seller representative

  • You keep in touch with the seller and inform us if it is accepted, rejected, or countered

Below you will find an in-depth description of each step of the offer process for you and your client through Divvy. You can also find this step-by-step in this printer-friendly flyer version.

Step 1: Budget Confirmation

  • Visit your Divvy Agent Portal and use the calculator to determine whether the home fits into the client’s monthly budget prior to showing the home to the client.

  • Check out this video to learn how to use our Agent Calculator! 

Step 2: Call the Client

  • Speak with client regarding these items:

    1. Monthly Payments

      1. Are they comfortable with the monthly payment provided by the Divvy calculator?

      2. Are they comfortable with increasing the down payment or would they like to stay at their planned level?

      3. Purchase Price

        1. Is the client comfortable with offering over List Price?

        2. How high are they willing to go in order to win?

    2. Payments due Before Closing

      1. Do they understand that once the offer is accepted, down payment is due?

      2. Do they understand that any applicable rent payments must be cleared (not just initiated) prior to close?

Step 3: Visit The Home

  • If the home fits within the client’s budget, visit the home with the client and see

    whether they want to move forward with an offer or not.

Step 4: Call the Listing Agent

  • Speak with Listing Agent regarding these items:

    1. All Available Property Disclosures

      1. LBP (only if built before 1978), CAD, & SPD

    1. Age of Major Home Systems/Items

      1. Roof (Less than 18 years)

      2. HVAC (Less than 18 years)

      3. Furnace (Less than 18 years)

    2. Information Regarding Offer & Competition:

      1. How many other offers are on the home?

        1. Range of Offer Prices

      2. What is the seller looking for in regards to terms

        1. Inspection Period (DD)

        2. Closing Date

        3. Closing Attorney

    3. Home Eligibility

      1. Is the home in an HOA?

      2. If so, are there rental restrictions?

Step 5: Initiate the Offer

  • After completing all items above, then initiate the offer through your Divvy Portal (Divvy Portal > Deals > Initiate Offer)

Step 6: Call from Offers Team

  • Our Offers Team will call you within 2 hours of initiating an offer.

  • Text us at (833) 600-0096 if the offer is more urgent.

  • Please be ready to discuss all of the information gathered prior to offer initiation

    from the Listing Agent and client. We cannot move forward with the offer without

    discussing these items on a call.


    Please note the Underwriting Team will re-review the customer's application once an offer has been extended, similar to the mortgage process.

    Customers will be notified by the Divvy Underwriting Team if they are required to submit updated income documents. As soon as the customer submits the requested documentation, the underwriting team will review their file within 24-48 hours.

    Failure to verify income can lead to termination.

Step 7: Occupant Proposal/Deposit

  • Once we have agreed upon the offer price and the client is ready to proceed, we will need these items completed by the client:

    1. Occupant Proposal (OP): The lease agreement specifying the rent, down payment, offer price, buyback prices, and other important information.

    2. $500 Earnest Money deposit (EM): This $500 good faith deposit is required before Divvy is able to draft or sign any offers; this is NOT the earnest money Divvy will pay the seller

      1. If an offer is accepted:

        1. The deposit is applied to the down payment.

      2. If offer is declined:

        1. The client can apply it to the next offer.

        2. Or request a full refund at

Step 8: Drafting the Offer

  • After the client has signed the Occupant Proposal and paid the $500 deposit, we will then sign/draft the offer.

    1. GA, FL, TX, AZ, MN

      1. Divvy will prepare the offer and send it over to you to review. Please make any changes necessary.

      2. You send the signed contract to the Listing Agent/Seller.

      3. Buyer Brokerage Agreements will be sent along with offers

    2. CO, MO, OH, TN

      1. Please prepare the offer and send it to Divvy at to review/sign.

        1. You send the signed contract to the Listing Agent/Seller.

Step 9: Send Updates

  • Once the offer has been sent to the Listing Agent/Seller, please reach out to or (833) 600 0096 with any updates or questions

    regarding the offer.

Step 10: Send Bound Contract

  • If the offer is accepted, please send the contract to ASAP.

  • If we receive a contract more than 24 hours after the bound date, we will need to

    request a due diligence period extension.

  • Please send the executed, binding purchase agreement to We will open escrow and alert our Home Evaluations team.

Step 11: Schedule Home Evaluation

  • Please send us the home access info to ASAP

    1. Confirm that all utilities are turned ON.

    2. Confirm if home is vacant/occupied

    3. Confirm access method and instructions (E.g., keycode, lockbox, etc.)

  • The Closings and Evaluations teams will reach out to you in order to set up a home evaluation date and open escrow with our closing attorney.

  • Divvy uses its own evaluations and will take care of this process for you.

Step 12: Send Wire Instructions

  • If we are using a title company that is not a Divvy partner, please request the wire instructions from Title and send wire instructions to

  • If the Listing Agent/Seller requests an Earnest Money Receipt, please contact the escrow offer at the title company directly.

Please note that all interactions after an offer is accepted will go through