Florence, Alabama · Lauderdale County selling guide
Yes. USA Home Buyers buys houses as-is in Florence and throughout Lauderdale County, Alabama.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
You receive the written offer and written terms before you commit; closing is through a title company.
Call USA Home Buyers at 888-274-5006Compare the choices
A listing can fit when you want to reach retail buyers and have time to prepare the house, arrange photos and showings, and work through inspections, financing, and negotiations. Compare what may remain after repairs, cleaning, agreed commissions, concessions, bills while you wait, and other property costs—not only the asking price.
We review the house in its current condition. You do not need to repair, clean, or clear it out to sell to us. Compare the written price and terms with the work, time, and costs you would otherwise take on.
A house ready to show may suit a listing. If yours needs major repairs, has tenants, is vacant, or is part of an estate, compare the direct options before taking on that work. The useful number is what you keep and what you take on—not only the headline price.
We have two ways to buy. A Cash Offer is built for speed, condition, and tough situations — heavy repairs, tight timelines, difficult circumstances. EZ Sale is often the better fit when the house doesn't need major repairs and you want a higher number. Either way, you compare written numbers and you pick what works best for you.
Swipe across the table to compare all four selling options.
| Factor | List with a realtor | FSBO | Cash Offer | EZ Sale |
|---|---|---|---|---|
| Timeline | Market-dependent | Market-dependent | 30 days or less | 60 days or less |
| Price | Highest, if it sells | Varies | Lower price | Higher price than the Cash Offer |
| Repairs | Repairs may be needed before listing or after inspection | The seller handles repair decisions | No repairs | No repairs |
| Commissions | Agent commissions apply under the listing agreement | No listing-agent commission; the seller handles the sale | No commissions | No commissions |
| Closing costs | Seller costs depend on the contract and settlement statement | Seller costs depend on the contract and settlement statement | No closing costs | No closing costs |
| Showings | The seller prepares for and coordinates showings | The seller markets the property and coordinates showings | None | None |
| Who buys | Retail buyer | Retail buyer | USA Home Buyers buys directly | Goes to one of our partners |
| Certainty | Depends on the buyer, inspections, financing, and contract | Depends on finding and qualifying a buyer | Written offer and written terms before you commit; title-company closing. | Written offer and written terms before you commit; title-company closing. |
| Net proceeds | Compare the expected sale price after commissions, repairs, costs, and waiting | Compare the expected sale price after seller-managed costs and work | Compare the written price after your payoff and other property obligations. No commissions. No closing costs. | Compare the written price after your payoff and other property obligations. No commissions. No closing costs. |
Compare what you would keep after costs with the Florence, Alabama calculator →
Questions about the two options? Call 888-274-5006.
Steps and numbers
1
Share the address, what needs work and who lives there. Tell us when we can see it and when you want to sell.
2
We give written cash offers in 24 hours.
3
Written offer and written terms before you commit; title-company closing.
Read each reported measure with its source, geography, and period. A market-wide figure cannot account for your home's condition, repairs, occupancy, title, or timing.
Use the Florence home-sale net-proceeds calculator to compare editable listing and direct-sale assumptions. Net proceeds are what may remain after costs and property obligations, not just the sale price.
Useful local facts
The City says its new-home permit jurisdiction includes the city limits and a three-mile planning jurisdiction outside them. Its permit page separately lists places where the City does not issue permits or perform inspections. A Florence mailing address alone does not establish which office serves a parcel; ask the City about the exact address and project.
City park pages use local labels such as North Florence, Edgemont Subdivision, and Forest Hills. The City's public mapping portal also lists a Historic Districts layer, updated as changes occur. These labels and map layers are orientation tools—not a parcel determination or proof that a particular house is designated. Check the address with the City if a district or project rule could affect your plans.
Florence neighborhood parks → · City online mapping portal → · Urban Planning →
See Florence neighborhoods and nearby places →
Closing questions
The deed and any estate or court papers affect who can sign. Ask the title company which owners or representatives and documents it needs for this property. Lauderdale County Probate publishes information about probate-court duties and local contact routes; confirm which County office handles a specific instrument or filing.
Lauderdale County Probate Office → · Florence inherited-property questions →
Alabama charges deed tax when the deed is recorded with the county probate judge. The rate is 50 cents for each $500 of taxable value, or any part of $500. Taxable value may be reduced by a mortgage or vendor's lien on which Alabama mortgage tax has been paid; the closing attorney confirms the amount.
When you sell to us, we pay the closing costs, including Alabama's deed tax. Your mortgage, liens, back taxes and share of current property taxes are separate.
Alabama Code § 40-22-1: deed tax → · Alabama Department of Revenue: recordation tax →
A sale may still be possible if it can close before the foreclosure sale. Payoff, title work, and the date on the notice matter. Our agreement of sale will often get a foreclosure sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think. Keep following the date in your notice unless the lender or person handling the sale confirms a change.
An Alabama mortgage with a power of sale can allow foreclosure without a court case. Notice generally must run once a week for three successive weeks in a newspaper in the county, or an adjoining county if none is published there. That general rule does not identify the sale date for a particular house.
After the sale, Alabama gives certain people a limited right to buy the house back, called redemption. For residential property with a homestead exemption claimed in the year of sale, the usual period is 180 days for a mortgage signed on or after January 1, 2016. Other property and older mortgages generally have a one-year period. Required notice can affect when the redemption period starts for qualifying homestead property, but cannot extend it beyond one year after foreclosure. Redeeming means paying the sale price, interest, and lawful charges. A redemption period is not extra time to stay in the house; a debtor or mortgagor still in possession must leave within 10 days after the purchaser's written demand or risk losing redemption rights.
Check the notice and the rules for the specific mortgage and property. Alabama statutes cover power-of-sale foreclosure, sale notice, redemption periods and notice, older mortgages, possession after written demand, and the amount needed to redeem.
Where to find help
Ask the City about the exact address, project, permit, inspection, or property-maintenance notice. The City also publishes a blight-removal-process explainer and identifies a Property Maintenance Board of Appeals; confirm any open notice, condition, cost, lien, or deadline directly with the City.
The Revenue Commissioner describes its role in assessing and collecting property taxes and links to online tax records. The Probate Office publishes probate-court and recording contact routes. Confirm which office handles your specific question; call about current recording charges because the posted schedule is dated.
Testimonials are real, from our transactions, verified and approved by our attorneys.
Yes. USA Home Buyers buys houses as-is in Florence and throughout Lauderdale County, Alabama. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
We'll give you a written cash offer within 24 hours. You receive written terms before you commit, and closing is through a title company.
We have two ways to buy. A Cash Offer is built for speed, condition, and tough situations — heavy repairs, tight timelines, difficult circumstances. EZ Sale is often the better fit when the house doesn't need major repairs and you want a higher number. Either way, you compare written numbers and you pick what works best for you. Cash Offer — USA Home Buyers buys directly, 30 days or less, lower price, no repairs, no commissions, no closing costs. EZ Sale — goes to one of our partners, 60 days or less, higher price than the Cash Offer, no repairs, no commissions, no closing costs.
When you sell to us, we pay the closing costs, including Alabama's deed tax. Your mortgage, liens, back taxes, and share of current property taxes are separate.
The deed and estate or court papers affect who can sign and what documents the title company needs for this property. Lauderdale County Probate publishes information and local contact routes; confirm which County office handles a specific instrument or filing. If signing authority is unclear, talk with an Alabama attorney.
Often, yes, if a sale can close before the foreclosure sale. Our agreement of sale will often get a foreclosure sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think. For residential property with a homestead exemption claimed in the year of the sale, the usual redemption period is 180 days for a mortgage signed on or after January 1, 2016. Other property and older mortgages generally have a one-year period. Redemption follows the sale and is not extra time to stay in the house. Keep following the notice and confirm the dates that apply to your property.
Questions and contact
Call 888-274-5006 or send the property address. Tell us what needs work, who lives there, and what date matters to you.