Does Archie actually buy my home?
No, and that’s what makes our approach so powerful. Unlike iBuyers who buy low to sell high, or flippers looking for quick profits, Archie creates something entirely new: true liquidity without giving up ownership or potential upside.
Here’s how it works: When you’re ready to move, we provide substantial upfront liquidity through our innovative Option Liquidity Contract – often up to 80% of your home’s verified value. You keep ownership of your home while we handle everything else - marketing, showings, buyer coordination, and closing. This unique structure means two things:
First, you get the freedom to move forward immediately, with significant capital to fuel your next step. Second, because you remain the owner until final sale, you benefit from our expertise and technology in maximizing your home’s value. We only succeed when we sell your home for the best possible price, creating perfect alignment between your goals and ours.
Think of Archie as your value-maximizing partner, not a buyer. We transform your home’s equity into immediate mobility while ensuring you capture its full market potential. No lowball offers, no sacrificing value for speed - just the freedom to move on your terms while knowing your biggest asset is in expert hands.
How does Archie’s innovative approach actually work?
Archie transforms your home equity into immediate freedom to move forward, while ensuring you maximize your return. Here’s how we make it happen:
First, we use our advanced AI valuation system to determine your home’s verified market value. This technology, combined with local market expertise, helps ensure accuracy and transparency from day one.
When you’re ready to move, Archie provides substantial upfront liquidity – typically up to 80% of your home’s verified value. This immediate capital gives you the freedom to pursue your next opportunity, whether that’s purchasing your next home, relocating for a job, or simply moving on your terms. This payment is yours to keep, giving you complete certainty and control.
From there, Archie handles everything else – marketing, showings, negotiations, all of it. Here’s where our interests align perfectly: Let’s say we provide you with $400,000 upfront. When we sell your home for $500,000, you receive 60% of that additional $100,000 – meaning an extra $60,000 on top of your initial payment. This structure means we’re deeply motivated to maximize your sale price, because we only succeed by creating additional value above what we’ve provided to you.
The results speak for themselves: Because we’re fully invested in maximizing your return and you avoid typical selling costs like repairs, staging, and concessions, sellers working with Archie often net more than they would through a traditional sale. Plus, by eliminating months of mortgage payments while your home sits on the market, you save thousands in interest charges. All this while getting the freedom to move forward immediately.
Think of it as getting a head start on your next chapter while having a deeply invested partner handling all the complexities of maximizing your home’s value. That’s the beauty of liquid real estate – the freedom to move now, combined with the confidence of knowing your biggest asset is in expert hands.
Who actually owns the home while it’s for sale?
This is one of the most powerful aspects of Archie’s approach: you remain the legal homeowner throughout the entire process. Even after receiving your upfront liquidity, you maintain full ownership until the final sale. This isn’t just a technicality – it’s a fundamental part of how we align everyone’s interests to maximize value.
Think of Archie as your value-maximizing partner. We handle all the complexities of marketing and selling your home, but the ownership transfers directly from you to the final buyer. We’ve designed it this way intentionally: since you keep ownership while we work to maximize your return, you get the best of both worlds – immediate freedom to move forward plus the full benefits of a professionally managed sale.
By keeping you as the owner until closing, we maintain perfect alignment between your interests and ours. We’re not trying to buy low and sell high like an iBuyer – we succeed only by helping you get the best possible outcome for your property.
When do I get my initial payout?
We’ve designed this process to give you maximum flexibility and certainty. From the moment you sign with Archie, you have up to 30 days to coordinate your move on your terms. Once you’ve fully moved out and we’ve completed a quick verification of the property’s condition, we immediately initiate your funds – most sellers see the money in their account within 24-48 hours of handing over the keys.
This quick, certain timeline means you can confidently plan your next steps. Want to make an offer on your next home? Need to coordinate a job relocation? Looking to time your move perfectly with the school calendar? Having a guaranteed date for your liquidity makes all of this possible. No more hoping your home sells in time or dealing with financing contingencies – just the freedom to move forward exactly when you’re ready.
What happens if the home sells for less than the amount you provided me upfront?
First, let’s be clear: This rarely happens because we’re deeply invested in maximizing your home’s value. Our advanced technology and market expertise help us price homes accurately, and our innovative profit-sharing structure means we’re motivated to sell for the highest possible price – we only make money by exceeding the upfront amount we provide to you.
But here’s the peace of mind part: the upfront liquidity we provide is yours to keep, period. Unlike a loan or other financing options, there’s no repayment, no “clawback,” and no hidden catches – even if market conditions change. We take on all the market risk, not you.
This is a fundamental part of how we’ve structured our business: we succeed by maximizing your home’s value through active marketing, professional showings, and expert negotiation. Sellers actually end up receiving significant additional proceeds at closing because our interests are perfectly aligned – when you win, we win.
Think of it this way: You get the certainty of immediate liquidity plus our complete dedication to maximizing your return. We’re not trying to buy low like an iBuyer – we’re your partner in capturing your home’s full market value.
Do I owe commissions or extra fees?
No - this is another way Archie fundamentally transforms real estate. There are no agent commissions, no hidden fees, and no surprise costs for you as the seller. We’ve eliminated the traditional fee structure entirely.
Instead, we succeed only by creating additional value above the upfront liquidity we provide to you. Our compensation comes solely from our share of that additional value we create. This structure means we’re completely aligned with maximizing your return - the better your home sells, the better we both do.
For buyers, we charge a modest 1% transaction fee at closing - far less than traditional buyer agent commissions. This helps us manage any minor property updates or improvements needed to maximize your sale price, without affecting your proceeds.
The result? A clean, transparent process where you keep more of your equity. No commissions, no repair costs, no staging fees, no endless negotiations about who pays for what. Just the confidence of knowing exactly where you stand from day one.
How does Archie determine the initial property valuation?
While valuation is just one step in our process, we’ve developed a sophisticated approach to ensure it’s thorough and fair. Our technology combines advanced AI analysis of market data with human expertise to understand your home’s unique characteristics and potential.
Our system analyzes hundreds of local market factors, recent sales, and property-specific details. Then, our experienced real estate professionals review this data alongside any unique features or improvements you share with us. This blend of technology and expertise helps inform how much liquidity we can provide upfront.
But here’s what’s most important: this initial valuation isn’t a ceiling or final sale price. It’s simply a starting point that allows us to provide you with immediate liquidity. Because we only succeed by maximizing your home’s final sale price, we’re fully invested in capturing every dollar of value – whether that comes from market appreciation, strategic improvements, or our expert marketing and negotiation.
Is this a loan? Do I have to pay back the upfront payment?
Absolutely not. What makes Archie’s approach so transformative is that this is a straightforward real estate innovation, not a loan or financing scheme. The upfront liquidity we provide is yours to keep – no repayment, no interest, no monthly payments, no debt of any kind.
Instead of creating debt, we’re creating freedom. You get significant capital to move forward with your plans immediately, while maintaining full ownership of your home until it sells. We succeed by putting our expertise and technology to work maximizing your final sale price, not by charging interest or creating payment obligations.
Think of it this way: Rather than lending against your equity, we’re helping you access it immediately while working to grow it further. That’s the power of liquid real estate – transforming your home’s value into immediate opportunity without the burden of debt or the complexity of financing.
What happens to my existing mortgage?
We’ve designed this process to be seamless and beneficial for you. When you move out, we handle all the mortgage logistics directly. We immediately pay off your existing mortgage and any other liens from the upfront liquidity we provide, with the remaining funds wired straight to your account. This quick payoff actually saves you thousands in mortgage interest you would have paid during a traditional months-long sale process.
Here’s the simple part: you just move out, and we handle the rest. Whether you have a large mortgage balance or none at all, our process works the same way - we take care of any payoffs directly with your lender, and you get your available equity right away to use for your next chapter.
Think of it as pressing fast-forward on the traditional process: instead of making mortgage payments while waiting months for your home to sell, you get to move forward immediately while saving on all those extra interest charges.
What if I have liens or other financial obligations on my home?
We’ve designed our process to handle all types of financial situations cleanly and professionally. During our initial review, we’ll work with you to understand any existing obligations and create a clear path forward. We manage all the complexity directly with lienholders - just like we do with mortgage payoffs - ensuring a smooth, stress-free process for you.
Here’s how we make it simple: Our team obtains all necessary payoff information and handles direct payments to lienholders from the upfront liquidity we provide. We take care of all the documentation and verification, giving you a clear picture of your available equity from day one.
Think of it as a fresh start: instead of juggling multiple obligations while your home sits on the market, you get to move forward immediately while we handle all the financial logistics. No surprises, no complexity - just a straightforward path to your next chapter.
What condition does my home need to be in?
Archie works best with well-maintained homes that are ready for their next owner. While we don’t expect perfection, your home should be in good overall condition with functioning systems (plumbing, electrical, HVAC) and no significant issues or safety concerns. Normal wear and tear is completely fine, but we’re looking for homes that won’t need substantial updates or repairs.
Unlike flippers who profit from fixing up distressed properties, or iBuyers who make lowball offers on homes needing work, we’re focused on helping sellers of well-maintained homes maximize their value while gaining immediate freedom to move forward. Since you remain the owner until final sale, we’re motivated to sell your home for top dollar, not to find repair opportunities or profit from quick fixes.
This focus on move-in ready homes allows us to sell quickly and maximize value, which benefits everyone. While we can handle minor updates if necessary (up to 1% of the home’s value), our model works best when homes are already in solid condition. This lets us focus on what we do best - transforming your equity into immediate freedom while maximizing your return.
Think of it this way: The better condition your home is in, the more effectively we can help you capture its full value. Our goal is to give you the freedom to move forward immediately while ensuring your home is positioned to attract strong buyer interest and top dollar offers.
What if issues are discovered during inspection?
Our thorough upfront evaluation process is designed to minimize surprises, and as a bonus, you’ll receive complete copies of our comprehensive third-party inspections at no cost - documentation that would typically cost hundreds of dollars and prove valuable whether you move forward with Archie or not.
For minor items - things that would cost less than 1% of the home’s value to address - we can often handle these ourselves to keep the process moving smoothly. Our goal is to maintain momentum toward getting you your upfront liquidity as quickly as possible.
If more significant issues are discovered, we’ll have an open discussion about the best path forward. Since we’re focused on working with well-maintained homes, extensive repairs typically aren’t compatible with our model. However, we’ll always be transparent about our findings and work together to find the right solution.
Remember, we’re not looking to find problems or negotiate prices down like typical buyers or iBuyers. We succeed by maximizing your home’s value, not by finding repair opportunities. That’s why we prefer homes in solid condition - it lets us focus on getting you your liquidity quickly and selling your home for the best possible price.
How does Archie’s process work and can I change my mind?
We’ve designed a clear process that builds trust and confidence with each step:
Step 1 - Understanding Your Opportunity: After learning about your home, we’ll share a range of how much we could provide upfront to help you move forward. If you’re comfortable with receiving an amount within this range, and you’re seriously considering Archie, we’ll ask for a simple agreement. This allows us to invest thousands of dollars in professional home inspections on your behalf, so we both need to know you’re genuinely interested in moving forward if our final number falls within the range we’ve discussed.
Step 2 - Confirming Your Exact Number: We conduct comprehensive third-party inspections and evaluations that become yours to keep. This helps us determine the exact amount we can provide upfront - which will be within the range we discussed. This is the key decision point for both of us: we’ll confirm if we can move forward based on the home’s condition, and you’ll decide if our specific number works for you. If either of us decides not to proceed, you keep all the valuable documentation at no cost - think of it as our investment in helping you make an informed decision.
Step 3 - Ready to Move Forward: If you’re happy with our specific offer, you’ll sign our Option Agreement. At this point, we begin investing significant resources in preparing for your upfront payment - coordinating with title companies, preparing marketing, and laying the groundwork for a successful sale. Because of these investments, there’s a $1,000 fee if you cancel after signing but before receiving your payment.
Step 4 - Freedom Unlocked: Once we provide your upfront payment, you’re free to move on to your next chapter while we handle everything else. At this point, the agreement becomes binding since we’ve committed significant capital to help you move forward.
Each step builds more certainty about how we can help you capture your home’s full value while gaining the freedom to move on your terms.
What happens if my home doesn’t sell?
Unlike traditional real estate where homes can sit on the market indefinitely, Archie’s innovative model ensures certainty and efficiency. We’ve built an extensive network of pre-qualified buyers and investors who provide guaranteed exits within 90-120 days of listing.
Here’s why this matters for you: Once you receive your upfront payment, you’re completely protected. There’s no waiting around hoping for a sale, no months of uncertainty, and no risk to you - you keep your upfront payment regardless of the final sale timeline. We take on all the market risk because we’re confident in our ability to maximize your home’s value.
Think of it as having a safety net built into the process. While our goal is always to sell your home quickly for the highest possible price (remember, we only succeed by maximizing value), you get to move forward with complete confidence knowing there’s absolute certainty around the sale.
What If I’m Behind on My Mortgage or Facing Foreclosure?