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4 Homeowner benefits of delayed financing

Thinking about buying a home with cash? Paying outright for your home with a stack of Benjamins is a great way to win a bidding war and knock down your purchase price. Plus, Guaranteed Rate’s delayed financing program lets you recoup your cash right after closing—no need to wait the standard six months for your property to season. This financing option delivers four core benefits.

Boost your bargaining power before you buy.

It’s a seller’s market and you need every advantage you can get to lock down your perfect home. Loan preapproval is great, but cash in hand is even better. You may also be able to negotiate for a lower purchase price.

Recover your personal cash investment right away

Delayed financing lets recent cash buyers take their cash infusions back out without having to wait the required minimum of six months for title seasoning to do a traditional cash out refinance. You could use this cash to fund that four seasons sunroom renovation or consolidate your debt!

Alleviate financial risk

Spending significant liquid assets on your down payment could put you at financial risk if you collect unexpected revolving, variable-rate debt shortly after your purchase. Bypassing the waiting period will keep you financially prepared if anything comes up without warning.

Invest your savings

Why not use a mortgage to finance your home and find an alternative use for your savings? Mortgage rates are still near historic lows, and a cash out refinance could free you up to buy an investment property.

Could delayed financing help you make it home? Let’s explore your options together.


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