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Cash Buyers Might Need It Back! We Offer Delayed Financing.

Let your borrowers know they can pay cash to win bids…..and get it back through delayed financing! As well, meet with your Realtor and referral partners and explain that cash buyers can still get a mortgage to recoup their cash. This is a great reason to schedule a meeting with your clients – it’s an opportunity for them as well!

Delayed Financing is a win-win for everyone involved! They get the house then call you to get a mortgage and recoup their cash within six months of purchase without waiting. The Realtor makes a sale that otherwise might not have happened. Here’s an example of how it works:  

Challenge:

  • A borrower finds the right home or rental property and is ready to make a purchase. Since the market is still very competitive, they need to act fast. Making an an all-cash offer can be more attractive to a seller.
  • They want as much of the cash back as possible soon after the sale so they can replenish their money in the bank.

Solutions:

  • Bank Statement loans for self-employed borrowers uses personal or business bank statements to qualify. No tax returns required.
  • Investor Cash Flow DSCR for real estate investors allows the property’s expected cash flow to determine qualification. No income or employment information is required. Short-term rentals are now accepted. 
  • Full Doc Platinum offers your best clients the opportunity to replenish their bank accounts.   
  • Full-Doc Portfolio Select is ideal for those with credit issues. This loan only requires one year seasoning for foreclosure, short sale, or deed-in-lieu and two years out of bankruptcy. 

Need help marketing delayed financing to your referral partners and borrowers? Call us, we can help!

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