Cheboygan, MI · Cheboygan 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 the City of Cheboygan, Michigan, and Cheboygan County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We buy houses with back taxes and liens; payoffs get handled through closing, not by you upfront.
Before you decide, we give you the proposed price and terms in writing. If you choose to proceed, the sale closes through a title company.
Call 888-274-5006 to talk through the house. You can call before you have every record or exact balance.
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
The sale proceeds pay the lien or back-tax balance at closing; our payment of closing costs is separate. Your mortgage balance, liens, back taxes, and share of current property taxes are not part of the closing-cost promise. The current amount and payoff or release instructions are confirmed with the creditor or tax office for this property.
You can call before you have everything. Start with the address and any tax notice, payoff statement, lien or court paper, creditor name or case number, mortgage information, parcel number, or deed that is handy.
The office or creditor named on a notice can confirm its current balance and payoff instructions. During a sale, the title company checks ownership and recorded claims and works with the relevant creditor or tax office to confirm the payoff needed for closing.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Tell us the Cheboygan address, what notice you received, and what you know about the amount or deadline. You do not have to solve the balance before calling.
We discuss the house as it stands and give you the proposed price and terms in writing before you decide. You can review what the agreement says about the sale and payoff treatment.
The title company reviews ownership and recorded claims. The relevant lender, lienholder, or tax office confirms the current payoff and any release instructions for the closing.
The title company prepares the settlement figures showing the sale, payoffs, taxes, and other agreed closing items. If you choose to proceed, closing takes place through a title company.
870 South Main Street, Room 201, Cheboygan, MI 49721 · 231-627-8821
403 North Huron Street, Cheboygan, MI 49721 · 231-627-9931
870 South Main Street, Room 204, Cheboygan, MI 49721 · 231-627-8808
Cheboygan County’s Treasurer publishes the County’s delinquent-tax process. If you receive a property-tax notice, use the office named on it to check the current account, status, and next date.
A lender’s mortgage-foreclosure proceeding is a different process from delinquent property taxes. Mortgage foreclosure auctions in Michigan are commonly called sheriff’s sales. Check the lender or servicer, the court or office named in the notice, and the current proceeding for its amount and dates; a tax notice does not establish the status of a mortgage case.
For an ordinary taxable sale, Michigan’s state real estate transfer tax is $3.75 for each $500 of the property’s value at the time of sale, or part of $500. The county real estate transfer tax is generally another $0.55 for each $500, or part of $500. At that county rate, a $100,000 sale has $750 in state tax and $110 in county tax, $860 total. State and county exemptions are separate, so the property’s county, sale value, and any exemption need to be checked for the actual sale. State law generally makes the seller responsible for the tax.
When you sell to us, we pay the closing costs, including Michigan state and county real estate transfer taxes.
This closing-cost promise does not pay the seller’s mortgage, liens, back taxes, or share of current property taxes; those are separate from transfer taxes and closing costs.
Michigan transfer-tax law: state rate and liability · county rate and exemptions · state exemptions
Use the Cheboygan home-sale net-proceeds calculator with your own estimated value, mortgage payoff, lien or tax amount, repairs, and sale costs. It is an estimate; the actual numbers depend on the property and transaction.
When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing. We buy houses with back taxes and liens; the current payoff figures and instructions are checked as the sale moves forward.
The creditor or tax office confirms its current amount and payoff instructions. The title company checks ownership and recorded claims and works with the responsible office or creditor on the information needed for closing.
No. Cheboygan County provides a separate delinquent-property-tax process through its Treasurer. A mortgage foreclosure is a lender process and may involve a sheriff’s sale; use the lender, court, and current notice for that matter. Check the office or people named on the actual notice for its current status and dates.
For a City of Cheboygan property, contact the City Treasurer/Taxes office. For another local unit in Cheboygan County, use the County’s local-treasurer directory to find its contact.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Start with the property address and whatever you have: a tax or lien notice, payoff statement, creditor or case number, mortgage information, parcel number, deed, or court paper. You can call before you have every document or balance.
For an ordinary taxable Michigan sale, the state real estate transfer tax is $3.75 for each $500 of value at the time of sale, or part of $500. The county tax is generally another $0.55 for each $500, or part of $500. State and county exemptions are separate, so confirm the property’s county, sale value, and any exemption for the actual sale. When you sell to us, we pay the closing costs, including Michigan state and county real estate transfer taxes.
Call 888-274-5006 or use the form above. Start with the Cheboygan address and the notice or payoff information you have.