Pacaso offers exclusive financing rates from 3.95% on eligible homes. Buyers can also pay with cash or crypto.
Pick what works for you
Cash or crypto
Use cash, or pay with crypto through BitPay, and enjoy mortgage-free Pacaso ownership.
Tap a home equity line of credit (HELOC) or a personal line of credit.
We've secured competitive rates with our banking partners — with exclusive financing rates as low as 3.95%. The process is fast and simple.
Limited time offer
Special financing rate
To give you a buying advantage, Pacaso is offering buyer financing as low as 3.95% on eligible homes until Dec. 31, 2022. This offer is for a 7-year, interest-only loan — interest rates and loan terms are subject to change.
Peace of mind
We've got you covered
When buyers choose to finance their purchase, Pacaso serves as the corporate guarantor of the loan. This means you’re protected if another co-owner defaults. It's one of the many benefits of LLC co-ownership.
PAY WITH CRYPTO
Ahead of the curve
To support buyers with diverse financial portfolios, we offer payment with Bitcoin and other cryptocurrencies through BitPay, a trusted payment processor.
We're leading the industry with payment options that meet the needs of more customers across the globe.
What down payment is required to purchase a share of a second home?
Buyers can finance up to 70% of their purchase. A minimum down payment of 30% is required. We offer competitive rates for all financing levels, with preferred rates for buyers paying 30-50% down.
How quickly can I get approved?
The approval process is straightforward and fast. We’ll request a copy of your driver’s license, pay stubs, a tax return, a current bank statement and a credit report. Once all documents are provided, approval takes just a few days.
How long will 3.95% financing be offered?
Buyer financing rates on select homes will remain at 3.95% until the end of the year.
Which homes are eligible for 3.95% financing?
Homes added to the Pacaso website prior to Oct. 15, 2022 qualify for 3.95% financing (excluding homes in South Carolina and Mexico).
WHAT’S THE DOWN PAYMENT FOR 3.95% FINANCING?
A 50% down payment is required to get 3.95% financing; 60% down payment for 3.99%; and 70% down payment for 4.99%.
Is the loan in my name?
The loan is between our banking partner and the LLC. Borrowers access financing directly from the LLC.
Is there a financing fee?
For buyers who choose to finance up to 70% of their purchase through Pacaso’s banking partners, a small fee will be assessed at closing. Our Crew will provide detailed information about financing options and costs.
Can I use crypto for a down payment and finance the rest of my home purchase?
Yes, eligible buyers can finance up to 70% of their purchase and pay their down payment in crypto. Monthly financing installments may only be paid in US dollars.
I want to purchase my Pacaso with crypto. How does the payment process work?
When you’re ready to pay, Pacaso will send a BitPay invoice by email. BitPay, our cryptocurrency payment facilitator, processes the transaction. Using BitPay, you’ll select your wallet and preferred cryptocurrency. Next, you fill in the payment details in your wallet, either manually or by scanning a QR code. You’ll then validate the transaction from your wallet. Upon validating the payment, you will immediately see the payment reflected on the invoice.