Updated November 03, 2022 22:42 Do I need to qualify for financing before I submit an offer? Yes. If you do not have financing, you can check out our partner lender, Lower, or work with any lender of your choosing. Related articles How can I buy an Opendoor home? Can I use any lender to get a loan? How long does the home buying process take? Why can’t I bring my agent to on-demand tours? What if I need to change my close date?