How payoffs work
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
The lender, creditor, or tax office confirms its current balance and payoff instructions. The title company checks ownership and recorded claims for the sale, then the closing figures show how the sale proceeds are applied. A mortgage balance, liens, back taxes, and your share of current property taxes are separate settlement items; paying closing costs does not pay those amounts.
Records that help — and the next step
Start with the address and whatever you have: a tax bill or delinquency notice, a lender or creditor statement, payoff letter, court paper, parcel number, deed, or property record. You can call before you have everything; we can talk through the house and the notice or balance that concerns you.
The office, lender, or creditor responsible for a balance confirms its current amount and instructions. A property assessment is not the same as a payoff. As the sale moves forward, the title company checks recorded claims and coordinates the information used in the closing figures.
If the payoff is the problem
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
What happens next
1. Talk about the house and the information you have
Tell us the Lewisburg or Greenbrier County address and what notice, payoff, or tax information you have. You can start before every balance or document is assembled.
2. Review the written offer and terms
We discuss the house as it stands and give you the proposed offer and written terms before you decide whether to commit.
3. Check title and current payoffs
If you choose to move forward, the title company checks ownership and recorded claims. The lender, creditor, or tax office confirms the current payoff information and any instructions needed for settlement.
4. Review the closing figures and close
The title company coordinates the closing documents and figures, including the sale price, confirmed payoffs, closing costs, and the amount remaining after those items. The sale closes through a title company.
Greenbrier County records, tax sales, and transfer taxes
Greenbrier County Assessor and Sheriff's Tax Office ↗
The Assessor handles appraisal and county-tax functions. Its office directs tax-payment questions to the Sheriff's Tax Office; the County lists the Chief Tax Deputy at 304-647-6610. Ask the responsible office about the current parcel balance and payment status.
Greenbrier County Clerk ↗
Use the County Clerk for county records and document-recording questions. The County lists the office at 304-647-6602. The title company checks the records that apply to the specific sale.
Greenbrier County Circuit Clerk and West Virginia Judiciary ↗
Circuit and family court records are handled through the separate judicial office, not the County Commission's records route. The County lists the Circuit Clerk at 304-647-6626. See also the West Virginia Judiciary's Greenbrier County information.
A West Virginia tax sale is separate from mortgage foreclosure
West Virginia has a statutory tax-lien sale process for delinquent property taxes. That is separate from a lender's mortgage foreclosure under a deed of trust; each process has its own notice and timing. For tax-payment questions, the Greenbrier County Assessor directs people to the Sheriff's Tax Office. If you receive a tax-sale notice, follow its instructions and contact the office named there. For a mortgage notice, contact the lender or trustee listed on it. Do not use one notice to infer the deadline for the other.
West Virginia Code Chapter 11A, Article 3: tax-lien salesChapter 38, Article 1: deeds of trustLewisburg mortgage-foreclosure questions
West Virginia real estate transfer excise taxes
State law sets the first county excise tax at $1.10 per $500 or fraction of taxable value. An additional county excise tax starts at $0.55 per $500, and a county commission may raise that additional tax to as much as $1.65 per $500. Taxable value includes liens the buyer takes over. The County Clerk also collects a $20 Affordable Housing Fund fee before recording. Ask the title company to confirm the rate and figures for the specific transfer.
When you sell to us, we pay the closing costs, including the West Virginia real estate transfer excise tax and the additional county excise tax. Your mortgage, liens, back taxes, and share of current property taxes are separate settlement items.
W. Va. Code § 11-22-2: rates and recording fee§ 11-22-1: taxable value and exclusions
Compare possible net proceeds
Use the Lewisburg home-sale net-proceeds calculator to compare a written offer with an estimated listing net using your own assumptions for value, mortgage payoff, liens or taxes, and other costs. It is an estimate; the actual number could be more or less depending on the home's condition.
What our sellers say
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Lewisburg property liens and back taxes questions
Can I sell my Lewisburg house with back taxes or liens before paying them?
Yes. When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing. The creditor or tax office confirms its current balance and instructions, and the title company checks the recorded claims and settlement figures for the sale.
What records should I have before I call?
The property address is enough to start. If you have a tax bill or notice, lender or creditor statement, payoff letter, court paper, parcel number, or recorded property document, share what you have. You can call before gathering everything.
Who checks the lien and tax balances?
The lender, creditor, or government office responsible for an amount confirms its current balance and payoff instructions. The title company checks ownership and recorded claims for the transaction. Greenbrier County's Assessor directs tax-payment questions to the Sheriff's Tax Office; the county lists the Chief Tax Deputy at 304-647-6610.
Are a West Virginia tax sale and mortgage foreclosure the same process?
No. West Virginia has a statutory tax-lien sale process for delinquent property taxes. A lender mortgage foreclosure follows a separate deed-of-trust process, with its own notice and dates. Follow the notice you received and contact the office or lender named there; do not use one process to infer the deadline for the other.
What transfer taxes and recording fee may apply?
West Virginia charges a real-estate transfer excise tax. The first county excise tax is $1.10 per $500 or fraction of taxable value, and an additional county excise tax starts at $0.55 per $500; a county commission may raise that additional tax to as much as $1.65 per $500. The County Clerk also collects a $20 Affordable Housing Fund fee before recording. The closing company confirms the rate and figures for the specific transfer.
What if the payoff is more than my house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. The lender or other responsible office confirms the current figures for the property.
What happens after I contact USA Home Buyers?
We talk through the house and the information you have, then give you written terms to review before you decide. If you choose to proceed, the title company checks ownership and recorded claims, works with the relevant creditor or tax office on payoff information, and coordinates the closing figures and documents.
Talk through the property
Call 888-274-5006 or use the cash-offer form. Start with the Lewisburg address and the notice or payoff information you have.