{"id":4913,"date":"2016-11-28T14:45:46","date_gmt":"2016-11-28T14:45:46","guid":{"rendered":"http:\/\/teammovemortgage.com\/?p=4913"},"modified":"2020-07-13T22:33:02","modified_gmt":"2020-07-13T22:33:02","slug":"cash-buyer-alternatives","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/cash-buyer-alternatives\/","title":{"rendered":"Are You Sure You Want to be a Cash Buyer?"},"content":{"rendered":"

There are so many reasons NOT to be a Cash Buyer<\/h2>\n

Becoming a cash buyer is not easy and usually takes dedication over time.\u00a0 So it usually doesn’t happen overnight.\u00a0 Therefore, don’t put on the blinders and only consider paying all of\u00a0that hard earned investment on a house.<\/p>\n

\"alternativesThere are a lot of ways to build a lump sum to buy a home free and clear.\u00a0 One way is to meticulously make payments for 30 years on a mortgage.\u00a0 Another may have been buying and selling at the right time so that there is a sizable profit to invest.\u00a0 Maybe there were consistent investments into a 401k or IRA account.\u00a0 No matter the route taken to get to the point of being a\u00a0cash buyer, it is a great feeling.\u00a0 Congratulate yourself!\u00a0 That is a great achievement!\u00a0 But it also deserves your attention and the advice of professionals prior to paying cash.<\/p>\n

<\/h2>\n

Involve Professionals in the Decision<\/h2>\n

Hopefully potential cash buyers\u00a0have the\u00a0advice of\u00a0trusted financial professionals.\u00a0 These professionals include a CPA, Financial Advisor, or investment banker\/trader.\u00a0 Consulting with professionals is key to making a sound and very important decision.\"involve<\/p>\n

For instance, a CPA would discuss the tax implications of pulling funds from an investment.\u00a0 A CPA would weigh the benefits of paying cash versus the issue of paying the tax man.\u00a0 A CPA would discuss ability to itemize because of mortgage interest and potential other write-offs.\u00a0 Additionally, there are potential tax implications of taking funds from retirement or other accounts.<\/p>\n

Financial advisors or others which handle investments are key as well.\u00a0 Taking funds from an account could conflict with a financial plan.\u00a0 Why?\u00a0 Because it removes a future income stream, it may be bad timing for withdrawing funds, and more.\u00a0 So bring in the experts to discuss options with you and your mortgage loan officer.\u00a0\u00a0Although, a savvy buyer with experience handling his\/her own money could make the decisions as well.\u00a0 Finally, being a cash buyer still may be your best option, but at least you know an informed decision has been made.<\/p>\n

Know Mortgage Options to Keep Your Cash<\/h2>\n

Obviously getting a mortgage means there will be a mortgage payment (except reverse mortgage purchases).\u00a0 So this goes against the mindset of paying cash.\u00a0 But as mentioned above, there are reasons not to spend your cash.\u00a0 What are the loan options then?\u00a0 Well, that depends on the borrower’s scenario.<\/p>\n

Veterans have a wonderful option in a VA loan that allows up to 100% financing<\/strong>.<\/h4>\n

If a Veteran is disabled and exempt from the VA funding fee<\/span><\/a>, it makes even more sense to consider.\u00a0 Plus, it doesn’t have to be no down payment.\u00a0 Actually a down payment lowers the costs of a VA loan.\u00a0 VA jumbo loans<\/span><\/a> will even finance over $424,100 and often beats conventional jumbo financing.<\/p>\n

Most of the United States is USDA eligible<\/strong>.<\/h4>\n

Even all of some counties like\u00a0Brunswick County, NC<\/span>\u00a0<\/a>are eligible for USDA Guaranteed Loans<\/span><\/a>.\u00a0 Since we are talking about cash buyers, there is one important thing to remember.\u00a0 If a buyer has 20% of the sales price in a liquid account, USDA will deny the file.\u00a0 But funds in a retirement account are ok.\u00a0 So the advantages of a no money down USDA loan<\/span> <\/a>are many including it just became the cheapest government loan<\/span><\/a>.<\/p>\n

Conventional financing has many options.<\/strong><\/h4>\n

Whether there is a large down payment or just 3% down, conventional loans can help.\u00a0 Furthermore, there are great payment options for less than 20% down loans.\u00a0 These include lender paid PMI<\/span> <\/a>and other great strategies for lowering payments.\u00a0 Maybe instead of spending all cash, use a smaller conventional loan.\u00a0 This is also\u00a0the way to finance a second home or investment property as well.\u00a0 Getting a 30 year term to help the property cash flow better is pretty tempting.\u00a0 Keep funds in place, maybe avoid taxes, and have a smaller payment.\u00a0 Sounds like a Win Win!<\/p>\n

Flexible guidelines of FHA loans<\/strong>.<\/h4>\n

FHA<\/span><\/a> offers the trifecta of low down payment, flexible guidelines, and great rates.\u00a0 So if a buyer uses cash because of a\u00a0600’s credit score, FHA<\/span> <\/a>could be a better solution.\u00a0 It even\u00a0works when\u00a0a buyer has more than the required 3.5% down payment. \u00a0FHA works for that too.<\/p>\n

Commercial Loans<\/strong>.<\/h4>\n

Buying a property for a business?\u00a0 We know it may feel like banks are asking for everything other than a blood sample.\u00a0 But there is some very attractive commercial property financing available.\u00a0 Even with extended terms to help with cash flow.<\/p>\n

Think of how much your true after-tax effective rate for a mortgage payment would be.\u00a0 Plus in an emergency, you can’t access your equity in a hurry.\u00a0 A liquid emergency fund is accessible though.\u00a0 Therefore consider the potential advantages of a mortgage loan and keeping the cash in place.\u00a0 Either way, we are happy to discuss the options with you so that you are making an informed decision.\u00a0 Cash or mortgage!\"second<\/p>\n

Creative Ways to Purchase a Second Home<\/h2>\n

A lot of vacation home buyers pay cash.\u00a0 Although often it is because the alternatives have not been discussed.\u00a0 Maybe it is because a borrower just thinks that the mortgage process is too tough.\u00a0 There are of course the traditional mortgage options of 10% – 20% down payment.\u00a0 But there are also some creative ways that may work better.\u00a0\u00a0The first\u00a0creative option includes a VA cash out refinance up to 100% of the home value.\u00a0 Additionally a conventional cash out refinance on a primary residence or other property.\u00a0 Other creative options include using a reverse mortgage which we explain below.\u00a0 Read “6 successful mortgage options to purchase a second home so you don’t have to pay cash<\/span><\/a>“.<\/p>\n

Senior Citizen Alternatives to Cash<\/h2>\n

Seniors have worked most of a lifetime accumulating enough to have the option of paying cash.\u00a0 Certainly being a cash buyer is an option.\u00a0 But there are special options available to buyers 62 and older.\u00a0 A reverse mortgage<\/span><\/a>, at a surprise to most, may be used to purchase a home.\u00a0 The best part is that there is no required payment!\u00a0 The homeowner must continue to pay all property taxes and insurance though.\u00a0 So there are a\u00a0few advantages\u00a0related to this\u00a0topic.\u00a0 Primarily buyers pay cash so that there is no mortgage payment.\u00a0 A reverse mortgage<\/span><\/a> may allow a buyer to preserve cash or investments, while having no house payment.<\/p>\n

Sometimes even seniors may look to buy a home while keeping another as a second home.\u00a0 A reverse mortgage allows for this as long as the property with the reverse loan is occupied over half the year.\u00a0 Additionally, reverse mortgages<\/span> <\/a>allow seniors to access cash from a primary residence to buy a second home too.\u00a0 Reverse mortgages are not for every situation.\u00a0 But it can provide a senior buyer flexibility, income tax avoidance, and comfort during later years.\u00a0 Keep in mind that a reverse mortgage does not exempt homeowners from the normal mortgage requirements of keeping the property in good condition, paying taxes and insurance, and others.\u00a0 Ask a reverse mortgage loan officer today.<\/p>\n

Consider all the Options Before Paying Cash<\/h2>\n

Whether you are a realtor, builder, or buyer, don’t jump so fast to the cash option.\u00a0 As we have shown here, there are strategies to consider.\u00a0 Yes you do have to provide more\u00a0documentation for a mortgage than as a cash buyer.\u00a0 But too many times we see advisors wish the nest egg wasn’t fully spent on a house.<\/p>\n

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<\/h2>\n","protected":false},"excerpt":{"rendered":"

There are so many reasons NOT to be a Cash Buyer Becoming a cash buyer is not easy and usually takes dedication over time.\u00a0 So it usually doesn’t happen overnight.\u00a0 Therefore, don’t put on the blinders and only consider paying all of\u00a0that hard earned investment on a house. There are a lot of ways to […]<\/p>\n","protected":false},"author":2,"featured_media":4948,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[33,97,17,191,40],"tags":[797,25,798,520,192,42],"class_list":["post-4913","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-frequently-asked-questions","category-interesting","category-products","category-reverse-mortgages-retirement-living","category-tips","tag-cash-buyer","tag-fha","tag-mortgage-strategies","tag-reverse-mortgage","tag-senior-citizens","tag-usda"],"acf":[],"yoast_head":"\nCash Buyer Beware! 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