BUY A HOME WITH CASH & GET A MORTGAGE with DELAYED FINANcing

Delayed financing is a smart mortgage strategy that lets you have the best of both worlds:
✔️ Make a strong all-cash offer to win the home
✔️ Get your money back shortly after closing with a mortgage

Whether you're a savvy investor or a first-time buyer trying to stay competitive, delayed financing can unlock major financial flexibility.

Delayed financing allows homebuyers who purchase a property with cash to reimburse themselves with a mortgage shortly after closing. Instead of being locked into a fully cash-funded home, you can get a loan post-purchase—while still enjoying all the benefits of a cash offer.

• Win in a competitive market with a strong cash offer
   
• Keep your liquidity for other investments, savings, or emergencies
   
• No waiting period—you can apply for a mortgage immediately after closing
   
• Avoid tying up your cash long-term
   

1. Buy the home with cash
    
2. Close on the purchase
    
3. Apply for a mortgage to reimburse yourself—typically within 6 months
    
4. Use your returned funds however you see fit
    

Do I need to own the home for a certain amount of time?
No! Unlike a traditional cash-out refinance, delayed financing allows you to apply right after closing.

What are the requirements?
Lenders may require documentation showing the home was bought with your own funds (not a loan), a clean title, and an appraisal. Some restrictions may apply—talk to a mortgage professional to find out more.

Interested in using delayed financing for your next home purchase?
[📞 Schedule a call] or [📩 contact us] to see if it’s the right fit for your situation.

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