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[quote=Anonymous]OP,  if you feel strongly about not disclosing cash, pull your own credit report/score estimate so it is a soft pull. You may already have it from the mortgage process. Take it with you and be very clear you won't let them run credit until the deal is almost final because of house shopping - that you're looking around at multiple dealers so you can't let them all run it. You're just trying to make them realize you're a serious buyer.

Here's the thing. The bait and switch "don't tell them you're paying cash until the end!!1!" advice is all over the internet, and I get the logic. But trust me, they aren't idiots. This happens all the time, and they are not going to take it in the pants because they quoted you a price with their financing kickback built in, then you didn't finance. The pricing will be dependent on you financing, and any hesitation to commit to that will mean they don't even quote you that price. Even if you actually were going to take a loan, they look for signs you're going to pay it off within 90 days - they lose their financing revenue if you do that.

If you go in and say, "we're open to financing, we could do either" - you get the cash price. You say "Yeah, we want to finance," and then change it up last minute? Deal is off, they are going to requote you.

Save yourself the hassle and be upfront with them. You will get the best price for your total circumstances by wasting as little of their time as possible. Don't try to be tricky - they know these tricks and can run circles around you. [/quote]

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