Chattanooga, TN · Hamilton County
How Selling Your Chattanooga House to Us Works
USA Home Buyers buys houses as-is in Chattanooga and Hamilton County, Tennessee. Start with the address and what you know; you do not need every property question settled before the first conversation.
Want to talk first? Call 888-274-5006.
Tell us about the houseStart with what you know
Share the address, condition, occupancy, access, and timing. We can talk through open questions as they come up.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address and what is going on with the house.
From first conversation to settlement
The Chattanooga sale, step by step
Step 1: Tell us what you know about the house
Start with the address, condition, who lives there, access, and the timing you are considering. You can start before every property question is settled; unanswered details can be worked through as the conversation continues.
Step 2: Talk through the property and the choices
We ask about the house, its condition, occupancy, access, and what you want to do next. We buy houses as-is in Chattanooga and Hamilton County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Step 3: Review the written offer and terms
We give written cash offers in 24 hours. You receive the offer and written terms before you commit. Read the price, timing, possession, responsibilities, and costs, and ask about any line you want to understand.
Step 4: Work through title, authority, and payoffs
The title company checks the deed, who can sign, mortgage payoffs, liens, taxes, and the documents needed for closing. A payoff is the amount due on a mortgage or other obligation; a lien is a claim for money tied to the property. Bring any statements, notices, or estate papers you have so the right questions can be checked.
Step 5: Review the settlement sheet, then close
The settlement sheet shows 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. If you choose to proceed, the title company handles the closing and 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
Compare the direct Cash Offer with EZ Sale through a partner. The written numbers and terms let you compare the choices before deciding 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 Chattanooga calculator →
Questions about the two options? Call 888-274-5006.
Tennessee closing detail
Read the settlement numbers and transfer tax
The settlement sheet lays out the sale price, payoffs, liens, taxes, closing costs, and the amount scheduled for you. 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.
Tennessee charges a realty transfer tax when the deed is recorded. The rate is 37 cents for each $100 of the price paid or the property's value, whichever is greater. State law makes the buyer responsible for paying it. Read the Tennessee Department of Revenue's recordation-tax overview ↗.
When you sell to us, we pay the closing costs.
Your mortgage, liens, back taxes, and share of current property taxes are separate from the closing-cost promise. The title company confirms the final numbers.
When things get difficult
We stay with the process
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.
The next question
Chattanooga seller pages and planning tools
Open the page that matches your situation, or compare possible sale prices and costs in the calculator.
Chattanooga process questions
Can I start before every property question is settled?
Yes. Start with the address and what you know about condition, occupancy, access, and timing. Unanswered questions can be worked through as the conversation continues.
Do you buy houses as-is in Chattanooga and Hamilton County?
Yes. We buy houses as-is in Chattanooga and Hamilton County, Tennessee. 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.
Who checks title and mortgage payoffs?
The title company checks the deed, who can sign, mortgage payoffs, liens, taxes, and the documents needed for closing. Bring any statements or notices you have so the right questions can be checked.
What Tennessee realty transfer tax applies when a house sells?
Tennessee charges a realty transfer tax when the deed is recorded: 37 cents for each $100 of the sale price or the property's value, whichever is greater. By law, the buyer pays it. When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate.
Want to talk it through? Call 888-274-5006. You can also start with the house details in the form above, even if some answers are still open.
Talk through your Chattanooga house
Call 888-274-5006 or start with the property address and what you know in the form above. You do not need every answer first.