How it Works

A helpful guide to buying a home with Torii


Start your search

The first step to buying a new home is deciding which towns or neighborhoods you want to live in, how big of a house you need, and what your price range is. From there, search for properties that match what you’re looking for on the Torii website or in our mobile app (download on iOS or Android). Once you find a property that you’re interested in, make sure to save it to your favorites to share with your Torii agent, co-buyer, friends, and family.


Get pre-approved

If you’re not buying in cash, you’ll need to get pre-approved for a mortgage. The pre-approval process will help you understand what price range you can afford as well as make you a more competitive buyer. Torii has preferred lenders we have worked with for years and trust. For an introduction to one of our preferred lenders, click here. Learn more about pre-approvals (vs. pre-qualifications or pre-commitments) on the Torii blog.


Tour homes

Schedule a time to see your favorite properties in-person from our website or app. A licensed Torii real estate agent will be available to attend showings with you (COVID-19 CDC guidelines permitting). Our website will also show you which properties have upcoming open houses, if you would prefer to tour a home that way. We do recommend that you drive by the property prior to scheduling a private showing, as many times a buyer will decide against a property because of the neighborhood or immediate area.


Make an offer

Found the perfect home?

Your dedicated Torii agent will work with you to put together a competitive offer price and contract terms that you are comfortable with. Easily submit your offer right from the Torii app. Your Torii agent will review your offer with you prior to presenting to the seller’s agent.


Execute contract

Once your home offer is accepted,

we'll do the rest. We will provide you an attorney (where required), appraiser, and title insurance, in addition to your expert agent. Your Torii Team will guide you through each step of the purchase, keeping you informed of key dates and milestones.


Close and move in

Sign the paperwork and the keys are yours. After you’ve closed on your new home, all that’s left to do is move-in and decide what you’re going to spend your Torii closing costs credit on!

Torii is the easiest way to buy a home. When you buy a home with Torii, you receive an agent, attorney, appraisal, title insurance, and more all in one place, free of charge. The entire transaction is done through our app, where you can search for properties, manage showings, make an offer, and track your progress every step of the way. We automate many of the tedious and time-consuming aspects of the home buying process so that you can focus on the things that really matter.

We currently support California, Massachusetts, and New Hampshire. If you're interested in using Torii in your city, let us know.

Closing costs are extra fees on top of the price of the home that you have to pay to complete the sale. These can include loan origination fees, appraisal fees, title search, title insurance, surveys, deed-recording fees, credit report charges, and more. When you use Torii, all of those costs are paid for. To see a full breakdown of each closing cost/fee, try our Closing Cost Calculator.

Normally, when you buy a home, your real estate agent gets paid with a percentage of the sale (usually 2-3%), called a "commission". Torii's agents are paid a base salary rather than fully being paid by commission, which allows us to use part of the commission to pay for your closing costs and save you money!

There are some things that you may be required to pay in advance when you buy a home, such as prepaid property taxes, homeowner's insurance, transfer taxes, or interest. Torii doesn't cover those or other "prepaid" or recurring costs. We also cannot cover mortgage points, which are optional fees paid directly to a lender in exchange for a reduced interest rate. Additionally, if a vendor associated with your deal (i.e. lender) offers a credit, this will be deducted from the total closing cost amount Torii pays for directly.

Other than that, Torii will cover all of your closing costs.

There's no catch. We understand that you may have initial doubts, so please read through our client reviews to see what people using Torii really think.

Yes, as long as the property is on the market and meets our minimum price limit so that we can make at least $6,000 to cover our operating expenses. For example: Your house costs $600,000, and the real estate commission is 2.5%, or $15,000. We'll pay for up to $9,000 of your closing costs.

Nothing. The seller of a home pays the real estate commission, which we then put toward your closing costs. You don't pay Torii anything for our help.

Yes, Torii provides you with a licensed expert real estate agent to work with you throughout every step of the home buying process. This will include help with your home search, scheduling/attending showings with you, as well as preparing your offer and price negotiation when the time comes. And, in addition to your dedicated agent, you'll have the entire Torii Team working behind the scenes to ensure your home buying process is smooth, enjoyable, and successful.

Once your offer is accepted, we connect you with all the necessary providers and services such as a real estate attorney, insurance agent, appraisal, and inspection company.

Yes! We don't provide loans, but we work with several great lenders and mortgage brokers that we are happy to put you in touch with to begin the pre-approval process. Click here for an introduction to a lender.

Yes, though this price limit will vary depending on which state you are in. If you're interested in a home with a list price under our minimum price, we can connect you with a local partner agent who can help you tour the home and make an offer.

Torii Partner Agents work for different brokerages but are available to help home buyers buy or sell a home. They are agents we have worked with in the past and trust to provide a great experience. We refer home buyers to our Partner Agents when a home is outside of our serviceable area, when a home is below our minimum price, or when we're experiencing exceptionally high demand.

Unfortunately, Torii Partner Agents are not employed by Torii and so we can't guarantee that they will pay all of your closing costs. We do, however, have an agreement with all of our Partner Agents to offer you additional savings that you won't get elsewhere. By working with a Torii Partner Agent, you’ll receive up to $1,000 in rebates. Find out more about how real estate agents are paid.

For legal reasons, only a buyer can pay an appraiser directly. You'll need to pay for your appraisal up front, and we'll reimburse you for the cost when you close on your house. If you don't close on the house, we are not able to reimburse you for any services.

We partner with some of the best inspection companies around. If you want an inspection done as part of your offer, we can schedule any type of inspection for you such as general building, radon, lead paint, or pests. Torii does not cover the cost of an inspection, but we may be able to get you access to discounts.

We do not support buying foreclosures or auction properties at this time. If you have questions, contact us.

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