Charlotte, NC · Mecklenburg County · How the sale works

How Selling Your Charlotte House to Us Works

USA Home Buyers buys houses as-is in Charlotte and Mecklenburg County. Start with the property address and what you know about the house; you do not need every answer before the first conversation.

Questions before you have all the details? Call 888-274-5006.

Tell us about the house

We'll give you a written cash offer within 24 hours.

We give written cash offers in 24 hours.

Start with the address and what you know. Unknown details can be sorted out in the conversation.

From the first conversation to settlement

The sale, step by step

Step 1: Tell us about the house
Start with the Charlotte address, the condition, who is living there, access, and the timing you are considering. If ownership, an estate, a payoff, lien, tax balance, tenant, or notice is part of the situation, tell us what you know. You can start the conversation before every property question is settled.
Step 2: Talk through the property
We ask about the house as it stands, including condition, repairs, access, occupancy, and timing. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We can talk through the questions that still need to be checked.
Step 3: Read the written offer and terms
We give written cash offers in 24 hours. Written offer and written terms before you commit; title-company closing. Read the price, responsibilities, possession, timing, costs, and property-specific conditions before you decide whether to proceed.
Step 4: Work through title, authority, and payoffs
The title company reviews ownership, who can sign, mortgage payoffs, liens, taxes, and the documents needed for closing. A payoff is the amount needed to satisfy a mortgage or other obligation. If a record, estate paper, or payoff is still unclear, you can begin with what you know while the right documents are identified.
Step 5: Review the settlement sheet and close
The settlement sheet lays out how the sale money breaks down. 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.

Two ways to sell to us

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 estimated proceeds with the Charlotte home-sale calculator →

Charlotte and Mecklenburg County details

Start with the property's full address

The incorporated City of Charlotte lies within Mecklenburg County, while the wider Charlotte area extends beyond the city boundary. The full property address helps identify the local records that apply to the house. The U.S. Census Bureau's Charlotte city-boundary data shows the incorporated-place boundary.

Closing numbers

Review the settlement figures and excise tax

The settlement sheet shows the sale price, mortgage payoff, liens, taxes, other listed charges, and the amount scheduled for disbursement. Ask about any line you do not recognize. 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.

For a taxable deed transfer, North Carolina charges an excise tax on conveyances of $1 for each $500 of price or value, with any part of $500 counting as a full $500. State law requires payment to the county register of deeds before the deed is recorded. Read North Carolina's excise-tax statute.

When you sell to us, we pay the closing costs.

Your mortgage, liens, back taxes, and share of current property taxes are separate.

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.

Questions and contact

Find the next step for your Charlotte house

Call 888-274-5006 or use the form at the top of this page. You can start with what you know before every property question is settled.

Charlotte home-selling overview →

Questions about selling a Charlotte house

Can I start before every property question is settled?

Yes. Call 888-274-5006 or use the form with the Charlotte property address and what you know so far. You can tell us which details about condition, occupancy, a payoff, lien, or estate are still unknown.

What does selling as-is mean?

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

What are the Cash Offer and EZ Sale choices?

What does the title company check before closing?

The title company reviews ownership, who can sign, mortgage payoffs, liens, taxes, and the documents needed for closing. It also confirms the final settlement figures.