<prompt> Human: Im in a very fortunate, but possibly unusual situation where I am a first time homebuyer able to purchase a house with all-cash. Id like to explore delayed financing options, which I understand can be done immediately after closing depending on the lender. I believe that I will fit the criteria for this. Home price is about 1M SF Bay Area, and Im considering loans above and below the 417k threshold. I have a couple of questions, and thank you in advance for your advice. In a traditional mortgage, are there protections that the lender puts in place that may be not be required for a cash purchase but still useful to me as an inexperienced buyer or just even a buyer? For example, is an appraisal useful to know whether Im overpaying? Is title insurance worthwhile? Anything else? I will of course hire an inspector and work with my realtor on appropriate contingencies. Im not looking for any foreclosures or fixer-uppers, just trying to strengthen an offer with all-cash. How can I quickly find out if a lender offers delayed financing without the 6 month restriction? Im already underwrittenpre-approved for a traditional mortgage at my local credit union, but they and a couple other lenders Ive called have a 6 month restriction. I want to see if Im limited to lenders with higher rates, which could affect my decision to go through with this option. Home loan offices tend to have more restrictive hours to call in, and Id like to be able to search quickly. Is there certain terminology I can look for on their website, or a list of lenders or search option I can choose?  <response>: Definitely get title insurance just in case! 