💰 Would you take $45,000 LESS just because the buyer is paying cash?
We’ve all heard, “Cash is king.”
But is it always the smartest choice?
Imagine receiving two offers:
🏡 $500,000 with financing
💵 $455,000 cash
Cash can offer speed and certainty, but is that certainty worth giving up $45,000?
Financed transactions do carry risks, but an experienced real estate agent can help reduce many of them by evaluating the buyer’s approval, lender, cash reserves, appraisal protection, contingencies, and need to sell another home.
And when a financed contract falls through, the seller usually doesn’t lose the entire sale price. The home typically returns to the market, with the real loss being additional time, carrying costs, and possibly a future price adjustment.
The best offer isn’t automatically the highest offer.
And it isn’t automatically the cash offer.
It’s the offer that provides the strongest combination of net proceeds, terms, and realistic certainty.
⚠️ The approximately 9% difference referenced in our video is an average found in market research comparing cash and financed sales. It does not mean sellers are routinely choosing between identical offers that differ by exactly 9%. Property condition, location, seller motivation, and transaction type can all affect the numbers.
Which would you choose, $500,000 financed or $455,000 cash?
Zack & Katrina
TRANSCENZ Real Estate Group
704.960.2901
LakeNormanRealEstate CharlotteRealEstate NorthCarolinaRealEstate
Transcenz Real Estate Group
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We help move-up buyers, sellers and relocation clients navigate complex real estate moves with clarity, confidence and care that continues long after closing.
OUR MISSION: To help people make smart real estate decisions built on a relationship of trust.
07/13/2026
A little mid afternoon pick me up with my love in some fun mugs we’ve gotten from our friends and loved ones! 😂☕️
07/13/2026
A little mid afternoon pick me up with my love in some fun mugs we’ve gotten from our friends and loved ones! 😂☕️
07/10/2026
🇧🇸 Happy Independence Day, Bahamas! 🇧🇸
Today is a special day as we celebrate the beautiful people and incredible country that have held a special place in our hearts for many years.
Many of our friends don’t know that Zack spent nearly 17 years living and working in The Bahamas. During that time, he had the privilege of serving as a real estate agent, becoming a director of the Bahamas Real Estate Association (BREA), and teaching the entry licensing course for aspiring real estate professionals across the islands.
But what he treasures most aren’t the titles—it’s the friendships, the memories, and the incredible Bahamian people who welcomed him as family.
The Bahamas will always be more than just a place on a map. It’s a place filled with lifelong friendships, unforgettable experiences, and a culture we deeply admire and love.
To all of our friends throughout the islands, we wish you a joyful Independence Day filled with celebration, laughter, pride, and time with those you love.
Happy 52nd Independence Day, Bahamas! 🇧🇸❤️🇺🇸
With love,
Zack & Katrina Bonczek
07/01/2026
Happy Birthday to the MOST beautiful girl in the world! Chapter 50…and you’re just getting warmed up! Cheers, my love! You are one amazing human and the world is a better place because you’re in it! 🍾🥂🤟🏼♥️♾️
06/30/2026
Heading to Utah to celebrate this beautiful lady! The BIG 50!! And we’ll also be celebrating the 250th Anniversary of the birth of our great nation! 🇺🇸 A gathering of our favorite people will be the icing on the birthday cakes!! We are blessed! 🥰
🏡 Cornelius or Davidson… which one is actually the better place to live? 🤔
This is one of the questions we get asked ALL the time by people moving to the Lake Norman area.
And honestly…
There isn’t one “right” answer.
Even though these two towns are only minutes apart, they offer completely different lifestyles.
✨ Do you want a walkable downtown with charming local shops and a slower pace?
🌊 Or are you looking for more lake access, restaurants, shopping, and convenience?
In this video, we’re breaking down the biggest differences so you can decide which community feels most like home.
💬 We’d love to hear from you…
If you had to choose TODAY…
👇 Which would you pick and why?
🏡 Davidson
🌊 Cornelius
Planning a move to Lake Norman? Send us a DM with the word “MOVE” and tell us what you’re looking for. We’d love to point you toward the neighborhoods that fit your lifestyle best.
❤️ Follow along for weekly tips on living in Lake Norman, local hidden gems, and everything you need to know before making your move.
— Zack & Katrina
TRANSCENZ Real Estate Group
06/21/2026
Happy Father’s Day to a LEGEND! I think of you every day…you know that! Until we meet again, dad. 🍻
06/19/2026
Every now and then, we’re reminded that real estate isn’t really about houses.
It’s about hope. 🥰
This week, we had the incredible honor of helping a wonderful family from Afghanistan purchase their very first home.
Like so many families who come to America, they arrived with dreams much bigger than the things they left behind. They worked hard, sacrificed, learned a new way of life, and never gave up on the belief that one day they could have a place to truly call their own.
That day finally came.
Watching them receive the keys to their first home was one of those moments that reminds us exactly why we love what we do. There were smiles, happy tears, and a feeling that is difficult to put into words. A house became a home… and a new chapter began.
Throughout the process, our goal was simple: make sure they felt informed, protected, understood, and cared for every step of the way. Buying a home can be overwhelming—especially when you’re navigating a different language, a different culture, and a system you’ve never experienced before. We wanted them to know they never had to face it alone.
Their trust in us is something we’ll never take for granted.
To the Murad family—thank you for allowing us to be a small part of such an important milestone. We couldn’t be happier for you, and we can’t wait to watch the memories you create in your new home.
❤️ This is why we do what we do.
If you or someone you know is dreaming of buying a home—but you’re not sure where to start—please reach out. Whether you’re relocating from another state, another country, or you’re buying your very first home, we’d be honored to help guide you with patience, honesty, and genuine care.
Because everyone deserves a place to call home.
🏡 Zack & Katrina Bonczek
Transcenz Real Estate Group at Keller Williams Lake Norman
📱 Katrina: 704-728-7585
📱 Zack: 704-960-2901
If this story touched your heart, we’d love for you to like, share, or tag someone who’s chasing the dream of homeownership. You never know who needs a little encouragement today. ❤️
06/10/2026
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