Merced, CA · Merced County seller questions
We are USA Home Buyers. We buy houses as-is in Merced and Merced County, California. These answers cover repairs, sale choices, costs, local records, and California foreclosure timing.
Call 888-274-5006 or use the form. You can start with the house, the timing, or the question you have.
Share the address and the question you want to work through. Start with what you know.
We'll give you a written cash offer within 24 hours.
Compare what you keep
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. |
Net proceeds are what remain after the costs attached to a sale. Compare the written price with repair, selling, and carrying costs rather than only the headline number.
Yes. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Tell us what work the house needs and what you know about access and occupancy.
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We give written cash offers in 24 hours. You receive the written offer and written terms before you commit, and a title company handles the closing. Start with the property address and the condition, occupancy, and timing details you know.
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Cash Offer is direct: USA Home Buyers buys directly, in 30 days or less, at a lower price. EZ Sale goes to one of our partners, in 60 days or less, at a higher price than the Cash Offer. Both are listed with no repairs, no commissions, and no closing costs. Compare the written numbers and terms for your house and choose what works for you.
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Net proceeds are what remains after sale costs and property balances are accounted for, not just the sale price. When you sell to us, we pay the closing costs, including the county documentary transfer tax and any city transfer tax. Your mortgage balance, liens, back taxes, and share of current property taxes are separate and can affect what you keep.
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California counties charge documentary transfer tax of $0.55 for each $500 of value, or fraction of $500, which is $1.10 per $1,000. It applies when consideration is over $100, not counting any lien or loan that stays on the property after the sale. A city may take half of that rate as its own share, credited against the county tax, while some cities add a larger tax. The county recorder collects the tax when the deed is recorded. State law assigns responsibility to a person who signs or benefits from the deed, and the purchase agreement can allocate the cost between buyer and seller. Some transfers are exempt. Have the title company or escrow confirm the applicable city tax, taxable amount, and any exemption for the property. When you sell to us, we pay the closing costs, including the county documentary transfer tax and any city transfer tax.
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Often, yes. California home loans commonly use a deed of trust, so most foreclosures are nonjudicial: there is no lawsuit, and the trustee named in the deed of trust runs the process. The trustee records a notice of default. After a 90-day cure period, a notice of sale can follow; it must be posted, published, and recorded at least 20 days before the sale. You can usually reinstate by catching up until five business days before the sale, or pay off the loan up to the sale itself. There is no right of redemption after a nonjudicial trustee's sale. A trustee may postpone a sale at the lender's instruction or by agreement. For one-to-four-unit homes, state law also allows limited 45-day postponements tied to a broker listing and a qualifying purchase agreement. Have the title company or an attorney confirm the sale date and payoff. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
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Yes. You can start with the property address and what you know about the house, the estate, and timing; you do not need every paper gathered to ask a question. Before closing, the person signing and that person’s authority need to be clear for the actual property.
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Yes. Start with what you know about the lease, who is living there, access, any notices, and your timing. Those details help identify what needs to be discussed for the property before you decide how to sell.
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Yes. You can ask about the house as it stands; we buy houses as-is, in any condition, with no repairs, cleaning, or cleanout required to sell to us. The closing-cost promise does not pay your mortgage, liens, back taxes, or share of current property taxes. Have the relevant office and title company confirm the records, balances, and requirements for the actual property.
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Yes. Tell us what damage you know about, whether the house can be safely accessed, and what questions you have about repairs or timing. You do not need to repair, clean, or clear it out before selling to us.
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Yes. You can start with the address and what you know about the people involved and any written agreement or court paper. You do not need every detail figured out before asking a question.
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Start with a question
You do not need every paper gathered to ask a question. Start with the Merced property address and what you know about its condition, who is living there, and your timing. If you are not sure what matters yet, say that.
Call 888-274-5006.
Local help
The Merced County Clerk-Recorder handles recorded public records. Its online Grantor/Grantee index covers records since 1963 and displays indexed information rather than the document; the County directs pre-1963 index searches to its office.
For an incorporated City of Merced housing complaint, Merced County directs callers to the municipal code-enforcement agency and lists the City Code Enforcement Department at (209) 385-6912. The County Substandard Housing Program described on that page covers unincorporated County areas; confirm which municipality applies to the address.
Merced County’s Treasurer-Tax Collector provides property-tax account and County tax-sale information. An online record is a starting point, not a property-specific payoff or title determination.
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Contact
Call 888-274-5006 or send the property address in the form. You can ask before you have every detail.
Share the address and what is going on. Start with what you know.
We'll give you a written cash offer within 24 hours.