Delayed Financing in California: Refinance Immediately After Paying Cash for a Home

Bought a Home in Cash? You Don’t Have to Wait 6 Months to Refinance.
If you just purchased a property using cash—whether from savings, a 401(k), inheritance, or short-term bridge funding—you may be wondering how soon you can recover your liquidity. The good news? Mojave River Mortgage offers a powerful solution: Delayed Financing.

🏡 What is Delayed Financing?

Delayed Financing is a special type of cash-out refinance that lets you take out a mortgage immediately after closing a home purchased with cash. Unlike traditional cash-out rules that require you to wait six months, Delayed Financing lets you act right away—freeing up capital to reinvest, renovate, or simply rebuild your reserves.

✅ Who Qualifies for Delayed Financing?

This program is ideal for:

• Buyers who beat out other offers with cash and want to recover funds

• Real estate investors looking to recycle capital

• Homeowners who used temporary funds but want a long-term fixed loan

To qualify:

• The home must have been purchased with your own cash or documented funds (not a gift or unsecured loan)

• You must close on the delayed financing loan within 6 months of the purchase

• A standard appraisal and title insurance policy will be required

• You’ll need to provide a Closing Disclosure (CD) from the initial purchase

💡 Why Use Delayed Financing?

• Reclaim liquidity for new investments or emergencies

• Avoid tying up all your cash in real estate

• Lower your long-term interest cost compared to hard money or HELOCs

• Get favorable loan terms similar to a standard purchase

⚡ Real Example:

A buyer in Victorville purchases a $400,000 home with cash from a brokerage account. Two weeks later, they apply for a Delayed Financing loan, taking out $300,000 and reinvesting the funds into another fixer property in Apple Valley. That’s leverage and liquidity—on your timeline.

💬 Let’s Talk Strategy

If you’ve recently paid cash for a property, we can help you access the equity you just created. Whether it's your primary residence, second home, or an investment property, Mojave River Mortgage can guide you through the process with fast closings and competitive wholesale rates.