In partnership with Matador Lending

Welcome, future homeowner

Matador Lending teamed up with Gravy to help you navigate the path to homeownership and save big money on closing day.

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Get mortgage-ready. Save money. Buy with confidence.

Gravy is an app that helps you buy your first house. It’s everything you need to prepare for homeownership, including human help along the way.

Plus, save thousands on your home purchase with Gravy Rewards, a first-of-its-kind homebuyer rewards program. 🙌

Join thousands who are saving up with Gravy

Rewards earned

Members have earned $8M in Gravy Rewards toward their home purchases


Saving goals

Members are working toward $140M of goals in their Gravy house funds


Home purchases

Members are saving up to purchase $2B worth of homes


This app was really easy to use and made us feel much closer to our goal of buying our own place. The rewards will save us lots of money when buying. Would recommend to anyone that wants to stop renting and own their own home.

Morgan E.

via Google Play

How it works

Save for a down payment, build your mortgage credit score, learn about the process, and ultimately find and finance your new house––all in one place.

Earn Gravy Rewards

Sign-up to score $100 from Matador Lending

Add your lease to get 5% cash-back on rent

Redeem rewards toward your home purchase

Stay on track

Set a smart house goal

Track your down payment

Optimize your homebuying power

Build mortgage credit

Track the only score mortgage lenders care about

Improve your credit to save big on a mortgage

Ask our homebuyer experts for help anytime

Buy with confidence

Easily apply for financing with Matador Lending

Find a rockstar real estate agent

Cash in your rewards to save thousands

Gravy homebuyers save $10,000 on their home purchase.

Estimated total savings on closing day & over the first 5-years of homeownership for a Gravy member using our full suite of tools to buy a $420,000 house.

Frequently asked questions

How do Gravy Rewards work?

Gravy Rewards are stored in a digital wallet, free to earn, and can be redeemed when you're ready to buy a house 🙌

Does Matador Lending redeem rewards?

Yes! Finance your house with Matador Lending, and you can redeem your Gravy Rewards toward closing costs.

What's so special about Gravy?

Gravy is the only end-to-end home saving and buying platform built for renters.

Am I required to get a mortgage with Matador Lending?

No. Choosing a lender is a big decision - your decision. However, not all lenders redeem Gravy Rewards.

More questions? View our FAQ or contact us at

Homebuying starts here

Everything you need to buy your first home in one app.

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