USA Home Buyers buys houses as-is in Raleigh, Wake County, and Durham County. These answers cover what you may keep, repairs, timing, North Carolina closing costs, foreclosure, estates, tenants, and local records.
Call 888-274-5006 with a question, or use the form.
We'll give you a written cash offer within 24 hours.
Share the address, what is happening with the house, and your timing.
Money and choices
The sale price is not the amount you keep. Compare the written price with the costs and obligations tied to your house, such as repairs, selling costs, mortgage payoff, liens, back taxes, and your share of current property taxes.
Change the assumptions in the calculator to compare possible sale paths for your property. For our two buying options, compare the written numbers and choose what works for you.
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. |
Compare what you would keep after costs with the Raleigh, NC calculator →
Questions about the two options? Call 888-274-5006.
Useful questions
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 its condition; you don't have to do the work first.
We give written cash offers in 24 hours. You get the written offer and written terms before you commit, and the closing is through a title company. The offer turnaround is not a property-specific closing date; review the written terms for the house and the closing details that apply to it.
North Carolina charges an excise tax on conveyances when a deed transfers real estate. The rate is $1 for each $500 of the price or value, and any part of $500 counts as a full $500. By law, the seller pays it to the county register of deeds before the deed is recorded. Some transfers are exempt. When you sell to us, we pay the closing costs, including North Carolina's excise tax on conveyances. Your mortgage, liens, back taxes and share of current property taxes are separate.
Often, yes, if the sale closes in time. Many North Carolina home loans use a deed of trust with a power of sale, which lets the lender seek a hearing before the clerk of superior court instead of filing a lawsuit. For a qualifying home loan on your main home, the loan servicer must mail you notice at least 45 days before filing for the hearing; this rule does not cover every loan, including home-equity lines and reverse mortgages. The hearing notice must be served at least 10 days ahead. At the hearing, the clerk checks for a valid debt, a default, the right to foreclose, and proper notice. If the clerk allows the foreclosure, you have 10 days to appeal. The notice of sale is posted at the courthouse for at least 20 days and published in a newspaper once a week for two weeks. The sale is a public auction. After the sale report is filed, the upset-bid period lasts 10 days; a new bid must beat the high bid by at least 5% and at least $750, and each new bid starts another 10-day period. If the final day falls when the clerk's office is closed, the deadline moves to its next open day. Until the last upset-bid period ends, paying the loan and sale costs in full stops the foreclosure. A sale that closes in time can make that payoff. Once a 10-day period ends with no new bid, the sale is final. If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
Often, yes, if the right people sign. In North Carolina, the clerk of superior court acts as the probate judge and appoints the personal representative; the letters issued by the clerk show that person’s authority. When an owner dies, the house passes to the heirs or the people named in a valid will once it is probated, but the house can still be used to pay estate debts. If the will gives the personal representative power to sell, a separate court case is not needed. Without that power, the personal representative can ask the clerk for permission to sell the house to pay debts. Heirs can also sell, but creditor-notice timing can affect whether the sale binds the estate: if the first general notice to creditors is published or posted within two years after death, a sale by heirs before that notice does not hold up against creditors or the personal representative. After that notice and until the final account is approved, the personal representative must also sign the deed. The appointment, will, deed, and estate record determine who can sign; the title company can confirm the signers for the sale.
Yes. A sale does not end the lease; the buyer generally takes over as the landlord. Within 30 days after the sale, the seller must either transfer the security deposit, minus lawful deductions, to the buyer and give the tenant the buyer’s name and address, or return the deposit, minus lawful deductions, to the tenant. A tenant who will not leave can be removed only through the court process. Bring the lease and deposit records into the sale discussion.
Yes. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. An open order or lien does not disappear just because the house is sold. North Carolina law lets local governments adopt minimum housing codes; certain repair or demolition costs can become a property lien after the required process. Send us any notices or orders so they can be reviewed before closing, and check the property-specific status with the local government.
Yes, you can ask about the house before you have every balance figured out. The closing-cost promise does not pay your mortgage, liens, back taxes, or your share of current property taxes. The title company and the relevant county office can confirm the actual records and amounts for the property.
Raleigh’s city geography crosses the Wake–Durham county line. Confirm the actual property’s county before using a county recording, tax, or court office; the city name alone does not identify the right county route.
Start with a question
Start with the property address, what is happening with the house, who lives there, and your timing. A lease, estate paper, tax notice, payoff statement, lien notice, or foreclosure notice can help answer the next question, but you can call before you have gathered everything.
Call 888-274-5006 or use the form above.
Raleigh’s municipal geography crosses the Wake–Durham county line. Confirm the county for the actual property before using a records, tax, or estate office; these links are starting points, not a parcel-specific determination.
Open the page that matches your situation, read the local guide, or compare the costs you want to include.
Call 888-274-5006 or send the address and tell us what you are trying to figure out.
We'll give you a written cash offer within 24 hours.
Share the address and the question you want to start with.