Updated November 14, 2019 05:10 Do I need to qualify for financing before I submit an offer? Yes. If you do not have financing, you can visit Opendoor Home Loans (Texas & Arizona only) or work with any lender of your choice. Related articles What are my mortgage options? How long does the home buying process take? Why can’t I bring my agent to on-demand tours? How can I buy an Opendoor home? Can I change my close date while I’m in contract?