flgaland@gmail.com
    (386) 243-0124

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Should You Pay Cash for a Home?

 

Most people have to take out a mortgage loan when they purchase a home. However, for others, it makes more sense to pay cash for a house.

If you can—that is, if you’re financially able to do it—it may make sense for you, too.

Should You Pay Cash for a Home - Lake City Homes for Sale

If you can pay all cash for a home, you can cut out a lot of big steps in the process (such as waiting for the lender to complete a mountain of paperwork).

Sellers often like all-cash offers, too. In some cases, sellers will accept an all-cash offer over a higher offer with lender financing.

Common Reasons Sellers Prefer Cash Offers

Appraisals aren’t required with a cash offer, and there’s no loan funding contingency. You don’t have to wait for a lender to get around to underwriting, checking (and re-checking) credit reports and financial documents, and conducting all kinds of behind-the-scenes work that can really drag out the process. (You can learn how long it takes to close on a home right here on our blog!)

Common Benefits to Buyers for Paying Cash for a Home

Naturally, if you pay for a home in one fell swoop, you won’t have a mortgage payment. You’ll own the home free-and-clear, which frees up your monthly income for other uses.

Another benefit: you’ll have a form of equity if you have a financial emergency. If the unthinkable happens, you have your home as a safety net.

Market fluctuations won’t bother you, and you won’t have any restrictions on you when you try to sell the home later, either.

Are You Moving to Lake City?

If you’re moving to Lake City, we can help you find the perfect place to live. Call us at 386-243-0124 to tell us what you want from your home and we will begin searching right away.

In the meantime, check out the most popular Lake City home searches by exploring the links below.

  • Water Front Residential
  • Water Front Land
  • Bank Owned & Foreclosures
  • Short Sales
  • Paved Road Frontage
  • Non Deed Restricted Land
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  • Land for Land Home Combo

 

Posted in: Blog, Buying Tagged: Buying a Home in Lake City, Buying a Home With Cash, Cash Offers in Real Estate, Financing

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Search Smarter

Did you know the hottest North Florida land for sale often sells within days of being listed? Don't miss out! Set up your own custom property alert so you can be notified of the newest land as they hit the market! Simply click the button below and choose the types of North Florida land you are looking for and save your search to start getting alerts today!

New Property Alerts

As a local expert, I also have access to North Florida land for sale before it hits the market and can show you more information that is only accessible in the MLS. If you would like to set up a time to go over your real estate needs, please free to contact me contact me at your convenience. There is no obligation and or pressure... I hope to hear from you!

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