Rochester, New York · Monroe County
When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing.
Yes. USA Home Buyers buys houses as-is in Rochester and Monroe County, New York, including houses with back taxes and liens. You can call about a cash offer before you have every notice or payoff amount. We give you a written offer and written terms before you commit, with a title-company closing.
Call 888-274-5006 or use the form below to ask for a cash offer.
Share the property address and whatever you have about the notice, payoff, creditor, or tax account. You can start with the address and add details later.
Tell us the address and what you know about the lien, notice, or payoff.
We'll give you a written cash offer within 24 hours.
Prefer to call? 888-274-5006.
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
A payoff is the current amount and instructions from the creditor or tax office owed. The number on an older bill or letter may have changed. That creditor or office confirms its current balance and payment instructions, and the title company works those figures into the closing.
The property address is enough to start a conversation. If you have them, keep the latest tax bill or notice, lien or court paper, lender or creditor payoff statement, deed, and any parcel, account, or case number nearby. The creditor or tax collector named on the bill or notice confirms its current balance. A title company checks ownership and recorded claims for the sale. You can call us before you have all of those records.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Call or send the address when you are ready to talk. You do not need to clear a lien or gather every record before asking about a sale.
Tell us the Rochester address, what the notice says, and what timing concerns you. Start with what you know; the creditor or tax office can confirm its current amount.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We discuss the property and the records you have.
We put the offer and sale terms in writing before you commit. Review the proposed price, payoff treatment, responsibilities, and closing terms before deciding whether they fit your situation.
The title company checks ownership and recorded claims for the transaction. The creditor or tax office confirms its current payoff amount and instructions for the closing.
Review the settlement figures, including confirmed payoffs and other applicable amounts. The sale closes through a title company.
Use the office connected to the record or notice in front of you. A property-tax matter or tax-sale notice is separate from a mortgage-foreclosure case; one does not confirm the status or deadlines of the other.
The Monroe County Clerk is the county land-records resource for property-record context. Use it for recorded-document questions; a current mortgage, lien, or tax payoff still comes from the creditor or tax collector responsible for that account.
A property-tax bill or tax-sale matter and a lender mortgage-foreclosure case are separate. Check the current bill or notice with the office named on it; a mortgage payoff comes from the mortgage servicer. For the separate mortgage-foreclosure topic, see the Rochester foreclosure page.
New York State charges $2 for each $500 of the sale price, or part of $500, when the price is more than $500. The seller normally pays this base tax, but the sale agreement can provide otherwise, and local transfer taxes may add to it. A separate 1% mansion tax generally applies to residential sales of $1 million or more and is normally paid by the buyer. When you sell to us, we pay the closing costs, including New York State real estate transfer tax and any applicable local real estate transfer taxes.
Closing costs are separate from your mortgage balance, liens, back taxes, and share of current property taxes. Those amounts are confirmed separately for the specific sale.
New York State Department of Taxation and Finance: real estate transfer tax →
Use the Rochester, NY home-sale net proceeds calculator with your own estimates for the sale price, mortgage or lien payoff, back taxes, repairs, and other costs. Just an estimate — the actual number could be more or less depending on the home's condition.
Here's what sellers in Rochester have said about working with us.
“Monroe County family court, sale required. Park Avenue condo, beautiful neighborhood, but neither of us could buy out the other and we both needed the money to start over. USA Home Buyers gave us a written offer the same week we called. Both attorneys said yes, closed in thirteen days.”
“I was behind on my mortgage after a medical situation. New York judicial foreclosure takes 12-24 months, but once the bank files in Monroe County Supreme Court, your options narrow fast. USA Home Buyers explained exactly where I stood and closed before the foreclosure judgment. I walked out with enough to start over.”
“Lake Ontario flooding in the spring got into our basement on Lakeshore Boulevard twice. The second time killed the furnace and HVAC and left six inches of standing water. Our insurer totaled the contents but fought the structural claim. USA Home Buyers knew Charlotte's flood situation well — no surprises in the offer, no inspection drama. Closed in ten days.”
Yes. When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing. We buy houses as-is in Rochester and Monroe County, New York, including houses with back taxes or liens. You can call with the address and whatever notice or payoff information you have; you can start before every record is gathered.
The creditor or tax collector named on the current bill or notice confirms its balance and payment instructions. A title company checks ownership and recorded claims for the sale and works with the parties on current payoff information. An older bill or statement may not show the amount used at closing.
The Monroe County Clerk provides a Land Records resource for county property-record context. It is not a substitute for a current balance or payoff from the creditor or tax collector named on your notice.
No. A property-tax bill or tax-sale matter is separate from a lender mortgage-foreclosure case. Use the office or case information on the notice in front of you, and see the Rochester foreclosure page for the separate mortgage-foreclosure topic.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. A lender's current payoff and the property's sale terms are reviewed for the specific transaction.
Start with the property address. If you have them, keep the latest tax bill or notice, lien or court paper, lender or creditor payoff statement, deed, and any parcel, account, or case number nearby. You can call before you have all of those records.
We talk through the house and the information you have, review the property as-is, and give you a written offer and written terms before you commit. A title company checks title and works through payoff details with the creditor or tax office involved. You review the settlement figures, and the closing takes place through a title company.
Call 888-274-5006 or ask for a cash offer using the form above. Start with the Rochester address and the notice or payoff information you have.
Prices, timing and your selling options
Homes in Rochester, NY sold for a median of $200,000 for the three months ending August 2026 (Redfin). Repairs and condition affect what someone will pay for your house. Homes in Rochester, NY spent a median of 10 days on the market for the three months ending August 2026 (Redfin). You still have bills while waiting to sell, including utilities and any mortgage payments. Allow time for closing, too.