Questions About Selling a House in Owensboro, KY

Yes. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Tell us what you know about the house and any notices or access questions so we can review the actual property.

We give written cash offers in 24 hours. You receive the offer and written terms before you commit, and closing is through a title company.

A Cash Offer is a direct purchase by USA Home Buyers, with a term of 30 days or less and a lower price. EZ Sale goes to one of our partners, with a term of 60 days or less and a higher price than the Cash Offer. Both options include no repairs, no commissions, and no closing costs. Compare the written numbers and choose what works for you.

When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax. Kentucky sets the tax at 50 cents for each $500 of value or fraction of $500—about 0.1%; on a $100,000 sale, that is $100. The law assigns the tax to the grantor, meaning the seller, and the value generally includes the full price, including liens the buyer takes over. Some transfers are exempt, so the title company should confirm what applies. Your mortgage payoff, liens, back taxes, and share of current property taxes remain separate from our closing-cost promise.

Sometimes. A sale may still be possible if the loan can be paid off before the court sale. Kentucky foreclosures go through circuit court: the lender files a lawsuit, and if it wins a judgment, the court orders the house sold at a public auction run by the master commissioner. The court must confirm the sale before the buyer gets a deed. Under Kentucky court rules, the master commissioner generally holds the sale within 90 days after referral; two disinterested people appraise the house first, and the sale is advertised at least once 7 to 21 days before the auction. If the sale price is less than two-thirds of the appraised value, the owner can redeem within six months by repaying the sale price plus 10% interest and certain costs. Our agreement of sale will often get a master commissioner's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think. Check the current court papers and deadline for your case.

No. You can start with the address and what you know about the house, who lives there, and your timing. Estate authority, title, payoff, and other paperwork may still need to be confirmed before closing. We provide written terms before you commit and close through a title company.

Yes, we can review a house with tenants or a code notice as-is. Share the lease or notice, access limits, occupancy, and any dates you have been given; the sale discussion does not replace a tenant or local-government process.