While a cash offer and a loan offer may ultimately end up the same for a seller, the offers aren't always treated the same. Cash offers are usually preferable because the seller knows that the offer will go through quickly and without a hitch. While a loan offer is still often backed by a pre-approval or a pre-qualification, there are things that can happen that will delay the loan or cancel it entirely. Thus, if a seller has a cash offer and a loan offer in hand, they will often select the cash offer first.
You may want to keep this in mind when you are bidding on homes or negotiating. If you have a cash offer, you may be able to get away with offering less. However, if you have a loan offer and someone else has a cash offer, you may need to go a little higher to secure the deal.
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