Decatur, Alabama · How selling to us works
How Selling Your Decatur House to Us Works
1. Tell us about the house
USA Home Buyers buys houses as-is in Decatur, Alabama. Decatur overlaps Morgan and Limestone Counties, so the property's address matters during title work. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Start with the address, condition, who lives there, access, and timing. You can start the conversation before every property question is settled.
Call 888-274-5006 to talk about the house. You do not need every answer before you call.
Request a written cash offer2. The sale, step by step
From the first conversation to settlement
Talk through the house and situation
Tell us what you know about the Decatur house, its condition, occupancy, access, ownership, and timing. An estate, tenant, lien, payoff, tax account, or move date can be part of the conversation even if some details are still open.
Review the property as it sits
We ask practical questions about the house and review its current condition. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We can also talk through listing, repairs, waiting, or another sale path.
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, compare another option, or stop before signing.
Work through title and payoffs
If you choose to proceed, the title company checks the deed, who can sign, mortgage payoffs, liens, taxes, and the documents needed for settlement. Bring any statements, notices, or estate papers you have so it can check what applies to this property.
Review the settlement sheet and close
A 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. 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
3. Two ways to sell
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 Decatur calculator →
Questions about the two options? Call 888-274-5006.
4. Useful local details
Decatur crosses two counties
Decatur has area in Morgan and Limestone Counties. Because Alabama deeds are recorded with a county probate judge, the title company checks the property's county as it works through title.
5. Closing numbers
Read the settlement sheet and Alabama deed tax
The settlement sheet shows the sale price, mortgage payoffs, liens, taxes, other entries, 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.
Alabama charges deed tax when the deed is recorded with the county probate judge. The rate is 50 cents for each $500 of taxable value, or any part of $500. With no applicable mortgage-tax deduction, a $100,000 sale owes $100; a $100,200 sale owes $100.50. A mortgage or vendor's lien can reduce taxable value if Alabama mortgage tax has been paid on it; the closing attorney confirms the amount.
The deed must come with proof of its actual price or value. Without proof, the probate office uses the latest tax assessment, and penalties can apply. Deed tax and recording fees are paid before recording.
When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes and share of current property taxes are separate.
Compare what you might keep after costs with the Decatur home-sale net-proceeds calculator →. It is an estimate; the title company confirms the final settlement figures.
6. 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.
7. Questions and contact
Decatur guidance for your situation
If an estate, foreclosure notice, tenant, code issue, fire damage, or lien affects the next steps, open the page for that situation:
Decatur selling-process questions
Can I start before every question about the Decatur house is settled?
Yes. Call or use the form with the Decatur address and what you know about its condition, occupancy, access, ownership, and timing. You can bring open questions to the conversation.
What are the Cash Offer and EZ Sale choices?
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.
Who checks title, payoffs, and the settlement figures?
The title company checks the deed, who can sign, mortgage payoffs, liens, taxes, and the papers needed for settlement. 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.
Who pays Alabama's deed tax when I sell to you?
Alabama deed tax is 50 cents for each $500 of taxable value, or any part of $500. When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes and share of current property taxes are separate.
Talk with us about your Decatur house
Call 888-274-5006 or start with the address and what you know in the form above. You can call before every property detail is settled.
Tell us about the house