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Creation date: Dec 7, 2022 2:11am Last modified date: Dec 7, 2022 2:11am Last visit date: Apr 15, 2024 6:04pm
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Dec 7, 2022 ( 1 post )
12/7/2022
2:11am
Estella List (estela35)
A cash offer is an all-cash bid, meaning a homebuyer wants to purchase the property without a mortgage loan or other financing. These offers are often more attractive to sellers, as they mean no buyer financing fall-through risk and, usually, a faster closing time.
Cash offer on house is probably more common than you think. According to ATTOM Data Solutions, cash sales nationally accounted for just over a quarter of all single-family home and condo sales in 2018. Though it’s well below the cash offer peak (that was 38% in 2011), it’s significantly higher than the pre-recession average from 2000 to 2007, which clocked in at 19%.
With a cash offer on the table, the buying and selling process is a little different than it would be with a mortgage involved. For one, the process is generally faster. There’s no mortgage application, documentation, or underwriting, and the buyer typically doesn’t need an appraisal. As a buyer, you’ll still need to sort out the title policy and insurance, provide proof of funds, and sign closing documents, however, you may be able to close the offer in as little as two weeks.
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