Chattanooga, TN · Hamilton County
When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing.
Yes. USA Home Buyers buys houses as-is in Chattanooga and Hamilton County, Tennessee, including houses with back taxes and liens — payoffs get handled through the closing, not by you upfront. You can call before you have every notice or payoff statement.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call 888-274-5006 to talk about the property or ask for a Chattanooga cash offer.
We'll give you a written cash offer within 24 hours.
Share the property address and what you know about the notice, balance, or payoff.
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
A mortgage, lien, or back-tax balance is separate from closing costs. The lender, creditor, or tax office confirms its current amount and instructions; the title company reviews the recorded documents and settlement figures for the sale.
When you sell to us, we pay the closing costs, including Tennessee's realty transfer tax. Your mortgage, liens, back taxes and share of current property taxes are separate from that closing-cost promise.
A property address is enough to start. If you have them, bring the latest county or city tax notice, a mortgage or lien statement, a parcel number, a court paper, or a tax-sale or foreclosure notice. You can call before you have everything together.
The lender or creditor confirms its payoff amount and instructions. The Hamilton County Trustee handles county property-tax account and tax-sale questions; the City Treasurer handles City property-tax questions. The title company checks the recorded property documents and works with the relevant parties on the closing figures.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Tell us the Chattanooga address and what you know about the house, notice, and payoff. Start with what you have; you do not need to solve the lien or tax question before calling.
We review the house as-is and give you the offer and proposed sale terms in writing before you decide whether to commit.
The title company reviews ownership and recorded documents. The lender, creditor, or tax office confirms its current payoff information, and the title company works those figures into the settlement details.
Review the closing figures with the title company. The sale closes through that title company under the written terms you accepted.
County and City tax accounts are separate. A property-tax sale and a mortgage foreclosure also involve different notices and dates. Use the notice and the office or lender named on it; the County Trustee is the local contact for Hamilton County property-tax and tax-sale questions.
Tennessee charges 37 cents for each $100 of the price paid or the property's value, whichever is greater, when the deed is recorded. A $100,000 sale has $370 in state realty transfer tax. The buyer is legally responsible for it, and the county Register of Deeds collects it for the state.
When you sell to us, we pay the closing costs, including Tennessee's realty transfer tax. Your mortgage, liens, back taxes and share of current property taxes are separate.
Tennessee Department of Revenue: recordation taxes · Tennessee Department of Revenue: recordation tax overview
These offices can help route a records or tax question. An assessment is not a current tax-balance statement, and recording information is not a title opinion.
Use the County Trustee for Hamilton County property-tax account and tax-sale questions. This is a different route from City of Chattanooga property-tax questions.
(423) 209-7270 · 625 Georgia Avenue, Room 210, Chattanooga, TN 37402-1494.
For a City of Chattanooga property-tax account or notice, check the City’s current account information and contact the City Treasurer.
(423) 643-7262 · City Hall, Room 100, 101 E. 11th Street, Chattanooga, TN 37402.
This office records deeds and other instruments. Use it to locate a recorded document; the record itself is not an ownership or title opinion.
(423) 209-6560 · 400 Courthouse, 625 Georgia Avenue, Chattanooga, TN 37402.
Contact the Assessor for assessment and property-record questions. An assessment is separate from a deed record and a current tax-balance statement.
(423) 209-7300 · 6135 Heritage Park Drive, Bonny Oaks, Chattanooga, TN 37416.
For a court paper or judgment, start with the court named on the notice or order. Hamilton County’s court pages provide court-system and Chancery docket routing; the right docket depends on the document you have.
Hamilton County Chancery Court Clerk & Master: (423) 209-6600 · 300 Courthouse, 625 Georgia Avenue, Chattanooga, TN 37402.
Use the Chattanooga home-sale net proceeds calculator to compare your estimates for the sale price, mortgage payoff, liens or taxes, repairs, and closing costs. Just an estimate — the actual number could be more or less depending on the home's condition.
Testimonials are real, from our transactions, verified and approved by our attorneys. Reviews keep their actual location.
Yes. USA Home Buyers buys houses with back taxes and liens — payoffs get handled through the closing, not by you upfront. The creditor or tax office confirms its current figures, and the title company reviews the property records and closing details.
Start with the property address and whatever you have: a property-tax notice, lender or lien statement, parcel information, court paper, or sale notice. You can call before you have all the records together.
The lender, creditor, or tax office holding the account confirms its current balance and payoff instructions. Hamilton County property-tax questions go to the County Trustee; City of Chattanooga property-tax questions go to the City Treasurer. The title company reviews the recorded property documents and settlement figures.
No. A tax-sale matter concerns unpaid property taxes; mortgage foreclosure concerns a lender’s mortgage. Their notices and dates are separate. For Hamilton County property-tax or tax-sale questions, check the current notice and contact the County Trustee; for a mortgage foreclosure, use the lender and the contact named in that notice.
Tennessee charges 37 cents for each $100 of the price paid or the property's value, whichever is greater, when the deed is recorded. The buyer is legally responsible for the state tax, and the county register of deeds collects it. When you sell to us, we pay the closing costs, including Tennessee's realty transfer tax. Your mortgage, liens, back taxes and share of current property taxes are separate.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
We talk about the property and the records you have, review the house, and give you written offer terms before you commit. The title company and the lender, creditor, or tax office confirm the records and payoff information used for closing.
Call 888-274-5006 or use the form above. You can start with the address and whatever tax, lien, or payoff information you have.