05/26/26

There are pros and cons to not needing a mortgage for your real estate purchase, whether you’re a seasoned investor, a diligent saver or someone with significant equity in a previous home. In this blog, we’ll outline a few key things cash buyers – and the people selling to them – should know right now.

Data shows cash is king now more than ever. The latest nationwide statistics show that cash buyers got a 9% discount on accepted offers. The fact that cash buyers and their agents can negotiate a lower sales price isn’t surprising in itself, but the 2025 figure was more than double the discount four years earlier.

Cash deals are often easier and more attractive to sellers. Here’s why: There’s less of a chance of the deal falling through, especially as financial approvals and contingencies get more tenuous in today’s environment. Some cash buyers are also willing to trade other demands for a quicker closing, though we recommend everyone still does plenty of due diligence on their transaction.

Cash buyers should still get owner’s title insurance. When you choose to close with one of our branches, we do the work so that all your transactions are cleared to close, no matter what. Additionally, we always recommend an owner’s title insurance policy, which is equally important for cash buyers, especially since there is no lender’s title insurance on the property. As this piece concludes, “smart agents advise their all-cash buyers that the value of having title insurance protection far outweighs the minimal cost,” and we certainly concur with that advice.

We know each journey home is unique, and we are happy to play a part in anyone’s transaction, no matter how the sale is being financed. However, when we see something that can assist a segment of our customer base, we love to amplify the message. Contact us anytime. We’re here to help everyone!