What’s the Difference Between a Cash Offer Company and a Traditional Buyer?

In Charlotte, “We’ll pay cash for your house” signs are everywhere. But how is that different from a traditional buyer with a mortgage?

Josh Finigan & The Finigan Group explain it very simply.

Cash offer companies / investors

These are usually investors or “cash for homes” companies who buy as-is, often to flip or hold as rentals.

Funding: Their own cash or investment capital—no lender approval.
Condition: Often okay with major repairs, dated homes, tenants, or problem situations.
Speed: Can close in days or a couple of weeks.
Price: Typically below full market value to account for repairs, holding costs, and profit.

Traditional buyer

This is your typical owner-occupant buyer:

Funding: Usually a mortgage (conventional, FHA, VA).
Condition: Expect the home to be reasonably safe and functional.
Speed: 30–45 days is normal due to loan process.
Price: Often willing to pay closer to full market value, especially if competition is strong.

Why it matters to you

Choosing between them is about trade-offs:

Need max money and can tolerate showings, repairs, and time? A traditional buyer through a strong listing is usually better.
Need speed, certainty, or have a rough property? A vetted cash buyer might be smarter.

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for Top Dollar, Today!

With over 720+ homes sold and 250+ 5-star reviews, The Finigan Group delivers the results others promise — and gets you Top Dollar without the stress.