O'Fallon, MO · Seller FAQ

Questions About Selling a House in O'Fallon, MO

USA Home Buyers buys houses as-is in O'Fallon and St. Charles County. Find answers about what you keep, repairs, Missouri costs, timing, estate sales, foreclosure, and tenants.

Call 888-274-5006 or use the form. You can start with the question on your mind.

We give written cash offers in 24 hours.

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Start with what you keep

Compare the money left after selling costs

The sale price is only part of the picture. Repairs, commissions, concessions, cleanout, and the time you carry the house can change what remains. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate amounts.

Compare possible O'Fallon net proceeds with editable assumptions →

Cash Offer or EZ Sale: compare the written numbers

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.

FactorList with a realtorFSBOCash OfferEZ Sale
TimelineMarket-dependentMarket-dependent30 days or less60 days or less
PriceHighest, if it sellsVariesLower priceHigher price than the Cash Offer
RepairsRepairs may be needed before listing or after inspectionThe seller handles repair decisionsNo repairsNo repairs
CommissionsAgent commissions apply under the listing agreementNo listing-agent commission; the seller handles the saleNo commissionsNo commissions
Closing costsSeller costs depend on the contract and settlement statementSeller costs depend on the contract and settlement statementNo closing costsNo closing costs
ShowingsThe seller prepares for and coordinates showingsThe seller markets the property and coordinates showingsNoneYes, partner visits
Who buysRetail buyerRetail buyerUSA Home Buyers buys directlyGoes to one of our partners
CertaintyDepends on the buyer, inspections, financing, and contractDepends on finding and qualifying a buyerYou get a written offer and written terms before you commit, and we close through a title company.You get a written offer and written terms before you commit, and we close through a title company.
Net proceedsCompare the expected sale price after commissions, repairs, costs, and waitingCompare the expected sale price after seller-managed costs and workCompare 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 O'Fallon calculator →

Questions about the two options? Call 888-274-5006.

O'Fallon seller questions, answered

How do I compare what I could keep from selling my O'Fallon house?

Net proceeds are what remains after selling costs, not just the sale price. Compare a Cash Offer or EZ Sale with a possible listing using the O'Fallon calculator.

Do I need to repair or clean out the house before selling to you?

We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

Will I see the offer and terms before I decide?

You get a written offer and written terms before you commit, and we close through a title company.

How soon can I get a written cash offer?

We give written cash offers in 24 hours.

How soon could the sale close?

Close as fast as 7 days when title and closing details allow.

What costs do I pay when I sell to USA Home Buyers?

No fees. No agent commissions when you sell to us. When you sell to us, we pay the closing costs.

Does Missouri charge a transfer tax or deed-recording fee?

Missouri's constitution bars the state, counties, and other local governments from imposing new taxes on the sale or transfer of real estate after December 2, 2010. County deed recording fees still apply: $5 for the first page and $3 for each additional page, plus additional per-document fees set by state law. The title company or closing professional confirms the exact recording charges.

Who can sell an inherited house in Missouri?

The personal representative appointed by the probate court handles the estate sale; an heir generally cannot sign alone. With independent administration, the representative generally can sell estate real estate without a separate court order, within the will's limits and for the estate's benefit. With supervised administration, a court order is generally required; heirs and devisees receive notice, and interested people may object before the court approves the sale report. A will may also give the executor power to sell. If you need an estate attorney, we can help you find one.

Can I sell my house before a Missouri trustee's sale?

A sale may still be possible if the loan can be paid off before the trustee's sale. A lender can foreclose without a court case when the deed of trust gives it a power of sale. The trustee's sale takes place in the county where the property is, with at least 20 days' notice published and mailed to the owner of record by certified or registered mail. If the lender or someone acting for it buys the property at the sale, the owner can redeem within one year. To keep that right, the owner must give written notice of intent at the sale or within 10 days before it, then file a court-approved bond within 20 days after the sale. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.

Can I sell a Missouri rental with tenants living there?

Yes. Missouri generally lets an owner transfer rented property and the right to future rent without the tenants' consent, unless the lease says otherwise; the buyer becomes the landlord. You don't always need to evict to sell to us. We buy houses with tenants in place — we've done it many times, including cash-for-keys when that works better for everyone.

Start with a question

You can call before everything is figured out

Call with just a question. We can talk through the house, timing, or paperwork together.

888-274-5006

St. Charles County offices for property questions

O'Fallon is in St. Charles County. For an assessment, property-tax bill, or deed-recording question, start with the county office that handles it.

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.”
Alex Pproperty taxes
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
Alice Wforeclosure
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Angela Rmoving

More O'Fallon selling details

Read the Missouri laws behind these answers

Still have an O'Fallon selling question?

Call 888-274-5006 or return to the form at the top. You can talk with us before you have everything figured out.

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