Cash is King, they say. And for the buyers out there that have loans - let me explain why sellers may chose a cash buyer over a person puchasing with a loan - even if the offer on the home is the priced the same as an offer. When you pay cash for a home.... 1. You don't have to ask for permission from anyone. There is no lender involved, and therefore no appraiser involved. For a home to get a loan, a bank must hire an appraiser to assess the value of the home. If the appraiser values the offer price higher than the value of the home, you will get a low appraisal. The bank will only give a loan based on the appraised value. When you have a low appraisal, both the buyer and seller have t