You Paid Cash. Get It Back.
Buy with cash to win the contract, then recover your capital shortly afterwards without waiting out the usual seasoning.*
Win with cash. Recover the cash.
A cash offer beats a financed one. This is how you make that offer without leaving your money in the house.
- The purchase must have been an all cash transaction
- Documented source of the purchase funds is required*
- The ownership seasoning that normally applies does not apply*
- At least one borrower on title at application*
- The amount returned is tied to what you actually paid*
- Primary residences, second homes and investment property*
Structured as a cash out refinance without the usual seasoning*
The purchase must have been an all cash transaction
Documented evidence of where the purchase funds came from*
The ownership seasoning that normally applies does not apply here*
At least one borrower must be on title at application*
The amount returned is tied to what you actually paid*
What is Saxton Delayed Financing?
A cash out refinance taken shortly after an all cash purchase
Delayed financing is a cash out refinance on a property you bought outright, taken soon after closing rather than after the waiting period that normally applies. The point is to let you compete as a cash buyer without tying up your capital.
Two things decide this one: whether the purchase was genuinely all cash, and whether you can document that the money was yours. Get both right and the usual waiting period does not apply.
It works only if the purchase was genuinely all cash and you can document where the money came from. Borrowed funds used for the purchase change the picture, which is why the paper trail is effectively the whole transaction.*
Why choose Saxton Delayed Financing?
Built for buyers who use cash as leverage and want it back afterwards.
Winning The Contract
In a competitive market a cash offer beats a financed one at the same price. This is how you make that offer without giving up the capital.
No Waiting Period
The ownership seasoning that normally applies to a cash out refinance does not apply here, which is the entire reason the transaction exists.*
Keep The Paper Trail
Where the purchase money came from has to be documented. Start the file with the settlement statement and the source of funds ready.*
Investors Use It Most
Buy a property outright, recover the capital, repeat. That is how a great many portfolios are built.
Not For Borrowed Money
If the purchase was funded with borrowed money rather than your own, the transaction is treated differently.*
Already On Title
At least one borrower has to be on title at the time of application, which a cash purchase satisfies by definition.*
Hear From Homeowners Like You
Frequently Asked Questions
Straight answers about recovering cash after an all cash purchase.
A cash out refinance on a property you bought outright, taken shortly after the purchase rather than after the waiting period that normally applies.*
A standard cash out refinance carries an ownership seasoning requirement, which means waiting. Delayed financing exists precisely so a cash buyer does not have to.*
Sooner than a standard cash out allows, because the seasoning requirement does not apply. A licensed loan officer can confirm the timing for your file before you make the offer.*
The settlement statement from the purchase and clear evidence of where the money came from. The paper trail is the transaction, so assemble it before you apply.*
The amount is tied to what you actually paid rather than to what the property might be worth now. Treat this as recovering your capital, not as taking equity out.*
Yes, and investors are the most common users. Buy outright, recover the capital, move to the next one.*
That changes the transaction, because the intent is to reimburse your own funds. Say so up front rather than late, because it affects which route you are on.*
Find out what you qualify for
If you bought outright and want your capital back, there is likely a Saxton Delayed Financing route that fits. Get a fast, no obligation pre-qualification today.
Get Pre-Qualified*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Delayed financing is a cash-out refinance taken shortly after an all-cash purchase and is subject to documentation of the purchase and the source of funds. Amounts are tied to the original purchase. Requirements vary by occupancy, credit profile and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.