Rescue Loans

When every second counts, we step in.
Rescue Loans are designed to save deals that are on the brink. Whether your buyer was denied elsewhere or their current lender can’t deliver, AnnieMac’s Rescue Loan program offers a seamless path forward — with the speed, service, and confidence of Cash2Keys™.

  • A Rescue Loan is a high-priority loan scenario where AnnieMac steps in to take over a failing loan from another lender — and closes it quickly and efficiently to save the deal.

  • This is NOT a niche product — it's a process and service mindset that positions us as the problem-solver in urgent situations.

  • Step 1: Immediate Intake

    • The buyer’s file is sent to AnnieMac ASAP (via LO, agent, or directly)

    • We request the current contract, denial or issue summary, and available docs

    • The file is tagged as a Cash2Keys Rescue

    Goal: Start reworking the file within hours

    Step 2: Re-Underwrite & Program Assessment

    We:

    • Run DU/LP (if not already)

    • Recalculate income/assets correctly

    • Assess if we can qualify for No Financing Contingency OR shift to Cash Offer Advantage

    This gives us the option to still keep it strong — even if it can’t be fully conventional.

    Step 3: Cash2Keys Layer Applied

    Depending on timeline and buyer strength, we apply one of the following:

    • No Financing Contingency Approval (if we can fully underwrite in time)

    • Cash Offer Advantage (if time is tight and seller demands a cash close)

    • Standard Rescue Close (we rebuild trust and close quickly under traditional finance)

    Even in a rescue, we bring the strongest offer structure possible.

    Step 4: File Goes to Rescue Pipeline

    • Priority status in ops & processing

    • Real-time updates to the LO, buyer, agent, and title

    • Any needed re-disclosures or appraisal updates handled on fast-track

    AnnieMac internal teams are trained to make these files a top priority

    Step 5: Close On Time — or Close to It

    • We coordinate with all parties to close as close to the original date as possible

    • Buyers save their dream home

    • Agents keep their commission

    • Listing agents leave impressed