Albany, NY · How selling to us works
How Selling Your Albany House to Us Works
USA Home Buyers buys houses as-is in Albany, NY and Albany County. You can start the conversation before every property question is settled. Share the address and what you know about the house, and we can talk through what is still uncertain.
Questions before you have every document? Call 888-274-5006.
Start with the house detailsWe'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.
From the first conversation to settlement
The Albany process, step by step
1. Tell us about the house
Start with the address, condition, who lives there, access, and the timing you have in mind. If an estate, tenant, code notice, mortgage payoff, lien, tax account, or deadline is part of the situation, mention it. You do not need every answer before the first conversation; begin with what you know.
2. Talk through the property and your options
We ask practical questions about condition, occupancy, access, ownership, and timing, and review the house as it sits. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
3. Get the offer in writing
We'll give you a written cash offer within 24 hours. Read the written offer and terms before you decide what to do next.
4. Title and payoff work
Written offer and written terms before you commit; title-company closing. The title company reviews the deed, ownership, who can sign, mortgage payoffs, liens, taxes, and documents needed for settlement. Current statements or notices can help answer questions; if something is not settled yet, tell us what is known and what is still unclear.
5. Review settlement and close
A settlement sheet lays out the sale price, payoffs, liens, tax figures, costs, and the amount scheduled for disbursement. We always review the settlement sheet with the seller and walk through how the money breaks down so there is no confusion. We try to do that the day before closing so settlement is smooth; the title company confirms the final numbers.
You're going to get a fair price and not have to do anything. Just show up at settlement.
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.
| 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 Albany calculator →
Questions about the two options? Call 888-274-5006.
Albany and Albany County details
Local records can help answer title, estate, and tax questions
Albany is in Albany County. The county and City of Albany publish separate record and tax resources. These official links are useful starting points when you are gathering property information; the title company reviews which records and figures apply to the sale.
Closing numbers
See how the money breaks down before settlement
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. Mortgage balances, liens, back taxes, and your share of current property taxes are separate settlement items. The title company confirms the final figures on the settlement sheet.
When things get difficult
We keep working through the bumps
It's real estate. Sometimes there are bumps in the road. We won't disappear when that happens, and we'll be fighting to get this to the closing table.
Albany process questions
Can I start before I have every property detail figured out?
Yes. Start with the address and what you know about the house, its condition, occupancy, and timing. Unknown details can be discussed as the questions are sorted out.
Do you buy Albany houses as-is?
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
How soon will I get a written cash offer?
We'll give you a written cash offer within 24 hours.
What happens before I commit to a sale?
You receive the offer and written terms before you commit. Read the price, responsibilities, possession, timing, and costs, and ask questions before deciding whether to proceed.
Who reviews title, payoffs, liens, and the settlement figures?
The title company reviews the deed, ownership, who can sign, mortgage payoffs, liens, taxes, and the documents needed for settlement. The title company confirms the final numbers on the settlement sheet.
Who pays closing costs, and what happens to taxes or liens?
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. Mortgage balances, liens, back taxes, and your share of current property taxes are separate settlement items.
Albany seller pages and planning tools
Open a page for the situation you are working through, or use the calculator to compare what you may keep after costs.
Ready to talk through your Albany house?
Call 888-274-5006 or start with the address, condition, occupancy, and timing in the form above. You can begin before every detail is settled.
We'll give you a written cash offer within 24 hours.