Pre-Paid Fully Insured. Upon acceptance of our initial offer, we will provide you with a pre-paid shipping label to safely send in your item for an official evaluation. All shipments are insured by Jewelers Mutual and Brinks, so you can rest assured that you're fully covered. Receive Cash. Once your item has been evaluated, we will contact you with our official offer and arrange for an immediate payment via check or wire transfer.
Don't like our offer. No worries. Your item will be shipped back at no cost to you. No risk.
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Dont get an FHA loan. One major downside to getting an FHA loan: You'll be forced to pay mortgage insurance premiums for the life of the loan.
But FHA loans also are unattractive to savvy sellers, who recognize some FHA buyers barely qualify because of low credit scores and are more likely to hit snags in the loan process. If you have FHA financing, youre not only at a disadvantage to cash buyers but also to buyers with conventional financing. Home buyer Stacie Sheftel of Clearwater, Fla.says she had several offers rejected in favor of cash buyers, even though her offers backed by an FHA loan were higher.
Current interest rates for unsecured personal loans eventually had an offer accepted after switching to conventional financing at a sellers request. She provided documentation to prove she had funds to close, and because she wanted the seller to contribute 3 toward closing, she offered the asking price plus 3. While she had to bring more money to the table - 5 down instead of 3.
5 - she finally got a home.