Real numbers from 11,022 recent South Florida sales, a free check on any buyer’s financing, the tricks of the trade agents and builders use to hold their price, and straight answers from a mortgage broker who also holds a Florida real estate license.
Selling a house yourself is a second job — the calls, the showings, the offers that weren’t really offers. Plenty of owners pull the listing, take a breath, and rethink. If that’s you, you’re not starting over. You’re starting with better information.
Whether you try again, rent it out, or stay put, two questions are worth answering with real data instead of guesswork: which buyers actually pay sellers more, and what your equity can do for you either way.
The common advice is “take the cash offer.” The closings say otherwise. Across every price range, sellers whose buyer used a mortgage gave up less off their original asking price than sellers who took cash.
| Price range | Mortgage buyer paid | Cash buyer paid | Typical cut from asking (mortgage vs. cash) |
|---|---|---|---|
| Under $300K | 96.4% | 92.5% | $5,389 vs. $9,574 |
| $300K – $500K | 97.9% | 94.7% | $4,861 vs. $16,316 |
| $500K – $750K | 97.7% | 95.9% | $11,939 vs. $21,649 |
| $750K – $1M | 97.4% | 96.4% | $17,500 vs. $27,062 |
| $1M and up | 94.3% | 93.4% | $80,081 vs. $111,015 |
“Paid” = sale price as a percentage of the original list price. Typical cut = median dollar reduction from original list price. Source: MLS closings in Palm Beach, Broward, Martin and St. Lucie counties, June 8 – August 22, 2026 (11,022 closings with buyer financing recorded; snapshot taken August 30, 2026). Past sales do not predict the result of any individual sale; your results will vary.
Agents and builders have spent years learning what keeps a price from sliding — and most of it never makes it to owners selling on their own. I have all of it, and I’ll share it with you:
No cost, no obligation — you don’t have to list with me or anyone else to get it.
A mortgage offer is only as good as the financing behind it. That’s the real reason sellers get nervous: a buyer who can’t close costs you weeks, and sometimes the next buyer too. So before you accept an offer, send it to me. I’ll review the buyer’s financing at no cost to you:
You don’t have to use me as your lender or your agent to get this. It’s a straight read on whether an offer is likely to close.
I’m a mortgage broker and a licensed Florida real estate agent (Lic. #3367539) with LoKation Real Estate. Most people only get one of those views. I see what a house should realistically bring, how buyers will actually pay for it, and what your next move costs — and I’ll tell you which of those matters most for your situation.
Mortgage and real estate services are separate. You are free to choose any lender and any agent, and using one of my services is never a condition of the other. If your property is currently listed with a real estate broker, please disregard this page — it is not my intention to solicit the offerings of other brokers.
Know which offers are solid before you sign. Send me the offer and the buyer’s pre-approval letter.
Put your equity to work without giving up a low first-mortgage rate.
Line up financing for the next place before you sell this one.
If you’re keeping it as a rental, see how investor financing looks at the rent, not just your income.
I answer my own phone. Tell me where things stand and I’ll tell you straight what makes sense.
No. The financing review is free and carries no obligation. Mortgage and real estate services are separate, and you can choose anyone for either.
Cash removes financing risk, but in the closings above it also came with a bigger cut from asking in every price range. A well-documented mortgage offer can be the stronger one — which is exactly what the review is meant to tell you.
The offer itself and the buyer’s pre-approval letter. If there’s a lender contact on the letter, that helps too.
Yes. If you’re staying, the question becomes what your equity can do for you. If you’re renting the home, it’s how investor financing would look. Either way, a short call answers it.