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For Cumberland County owners holding a cash offer

Cash offer on your Cumberland County house? Don't let $100K of equity walk away.

Say your house is worth around $300,000 as is and a cash buyer offers you $200,000. That's $100,000 of your equity walking out the door just for speed. Here's how to figure out what speed is really costing you, and how to sell just as fast while keeping more of that money.

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Watch the 33 second version

Josh Schoenly explaining how a low cash offer on a Cumberland County house can cost $100,000 of equity

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$100,000 for speed

Here's the math from the video. Your house in Mechanicsburg, Enola, Carlisle or anywhere else in Cumberland County is worth around $300,000 the way it sits. No updates, no cleanout. A cash buyer offers $200,000 and says they can close fast.

If you take it, you got speed. But you paid $100,000 of your equity for it. That's a third of what the house is worth, gone, and most of the time nobody even tells you that's the trade you're making.

Now, sometimes speed really is worth a lot. A job transfer, an inherited house, a divorce, a house you just can't keep up with anymore. I get it. The question isn't whether speed matters. It's whether you have to give up that much to get it. Usually you don't.

One cash buyer next to buyers competing

Josh's example from the video: one cash offer next to buyers competing. Example numbers only.
One cash buyerBuyers competing for it
House worth around$300,000 as is$300,000 as is
Offer$200,000 from one cash buyerSeveral as is buyers bidding on the same house
Equity left on the table$100,000Whatever the competition doesn't squeeze out of it
Repairs or cleanoutNoneNone. They buy in any condition.
How fastFastStill fast. Preliminary numbers usually come together in days.
Your choice at the endTake it or leave itPick the best option side by side, including the first offer

We work with several local and national companies that buy houses in any condition. When they're all looking at the same property, they're competing with each other instead of one of them naming the price. That's how you can sell just as fast and keep more of your equity.

What's speed actually costing you?

Plug in your own rough numbers. It shows how much equity the offer leaves on the table, what that works out to per day of speed you're buying, and what a few competing offers could look like.

Price of speed calculator

Rough numbers are fine. This runs in your browser only. Nothing's saved or sent anywhere unless you tap the text button.

Illustration only, not an appraisal or a promise of any price. Your real as is value comes from actual nearby sales and real buyer offers.

Text this to Josh

Rather not text? Use the form and I'll ask about your offer when I reach out.

Cumberland County: what the numbers show

19 of the 31 documented closings of the 7-Day Stress-Free Home Sale are in Cumberland County: in Enola, Mechanicsburg, Carlisle, Newville and Mount Holly Springs. All 19 sold at or above list. They averaged about 108.2% of list and about $25,200 over list, with about 6.8 days on market.

Home Josh Schoenly sold in Mechanicsburg, Hampden Township, PA
A Mechanicsburg home I sold in Hampden Township, Cumberland County. Address left out for the seller's privacy.

Across all 31 documented Central PA closings, all 31 sold at or above list price, at about 114% of list on average and about $28,400 over list, with about 7 days to an accepted offer. 68% went pending in 7 days.

Past results don't guarantee future results. Every home and every market week is different, and these numbers are shown for illustration only.

How you keep more without waiting months

  • As is offers, plural. DM me or text me the address and I'll get the local and national buyers we work with to look at it in whatever condition it's in. Here's more on selling as is.
  • The 7-Day Stress-Free Home Sale. You may even qualify. It's one weekend of showings, with cash buyers and owner occupants competing at the same time. Here's how the 7 days work, and what happens if it doesn't sell in 7 days.
  • Your first offer stays on the table. You can still take it. You'll just know what it's really costing you first. Wondering what selling with me costs? See the cost to sell.

Want to dig deeper?

What sellers say

"We were able to sell our house quickly and above asking price."

Kristen G., Mechanicsburg, Google review

"Josh did an excellent job at helping us through the entire selling process and made recommendations that enabled us to get a signed contract in less than 48 hours, even in the heart of winter. Great job!"

Steve B., Enola, Google review

Send me the address

If you've got a cash offer on your Cumberland County house, send me the address using the form on this page, or call or text me at (717) 510-1452, eXp Realty office (888) 397-7352 x1034. I'll put together preliminary offer options so you can see what your equity's really worth. No cost or obligation, and the decision's always yours.

Selling nearby? See Mechanicsburg, Enola, Carlisle, Camp Hill, Hampden Township, East Pennsboro Township, Upper Allen Township and Cumberland County.

Common questions

Is a cash offer that's $100,000 under value really that common?

It happens more than you'd think. The first cash offer is one buyer's number, and their job is to buy as low as they can. On a house worth around $300,000 as is, an offer near $200,000 isn't unusual. That doesn't make the buyer a bad guy. It just means one offer isn't the market.

How do I know what my house is worth as is?

Not from a mailer or an online estimate. I look at what similar homes near you have actually sold for, adjust for condition, and then let the local and national buyers we work with who buy as is put real numbers on it. That's the as is value that matters.

Can I really sell just as fast and keep more equity?

Often, yes. When several buyers who buy in any condition look at the same house, they compete with each other instead of one buyer naming the price. You may even qualify for the 7-Day Stress-Free Home Sale, where cash buyers and owner occupants compete in one weekend of showings.

What does the price of speed calculator on this page do?

It takes your rough as is value, the cash offer you got and how fast each option would close, then shows how much equity the offer leaves on the table and what that works out to per day of speed you'd be buying. It runs in your browser only. Nothing's saved or sent unless you tap the text button yourself.

Do you have closings in Cumberland County?

Yes. 19 of the 31 documented closings are in Cumberland County, in Enola, Mechanicsburg, Carlisle, Newville and Mount Holly Springs, and all 19 sold at or above list. Past results don't guarantee future results.

Does it cost anything to compare my cash offer?

No. There's no cost and no obligation. If the cash offer you've got turns out to be the best one, you can take it knowing it's the right call.

Keep reading

This post is general information, not legal, tax or financial advice. Individual results vary based on property condition, location, and market conditions at the time of sale.

$0 cost. No obligation.

Tell Josh about your home and he'll walk the property, run the numbers and show you what the 7-Day Stress-Free Home Sale could look like. You always reserve the right to accept, reject, or negotiate any offer.

Prefer to talk? Call or text (717) 510-1452, eXp Realty office (888) 397-7352 x1034.

See if your home qualifies

Free Strategy Session and home value. No obligation.

House really needs work and you don't want to fix any of it? Read how to sell an ugly house fast in Central PA.

Wondering how cash buyers pick a number? See how much cash buyers offer in Central PA, with the common 70% of ARV minus repairs formula and a small calculator.

Text (717) 510-1452

eXp Realty office (888) 397-7352 x1034