Elko, NV · How selling to us works
How Selling Your Elko House to Us Works
USA Home Buyers buys houses as-is in the City of Elko, Nevada. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Start with the address and what you know; you do not need every property detail settled before the first conversation.
Call 888-274-5006 to talk about the house.
Tell us about the houseShare the address, condition, occupancy, access, and timing. Start with what you know, even if some details still need checking.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the property details you know to start the conversation.
From first conversation to settlement
The sale, step by step
Start with the house and what you know
Share the address, what you know about the condition, who occupies the house, access, and the timing you are considering. Mention any mortgage payoff, lien, tax account, estate matter, tenant, code notice, or deadline that is part of the situation. You can start before every property question is settled.
Talk through the property and your choices
We ask practical questions about repairs, occupancy, access, ownership, and timing, then look at the house as it sits. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We talk through the direct-sale choices and how they compare with listing, repairing, waiting, or another option.
Read the written offer and terms
We'll give you a written cash offer within 24 hours. You get a written offer and written terms before you commit, and we close through a title company. Read the price, responsibilities, possession, timing, costs, and any property-specific conditions before deciding whether to proceed.
Let the title company check title and payoffs
The title company reviews the deed, ownership and signing authority, mortgage payoffs, liens, taxes, and documents needed for settlement. Keep the current statements, notices, and estate papers that apply to the house available so the relevant details can be checked.
Review the settlement figures and close
A 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. If you decide to proceed, closing is through a title company. 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
Compare Cash Offer and EZ Sale
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 | Yes, partner visits |
| 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 | You get a written offer and written terms before you commit, and we close through a title company. | You get a written offer and written terms before you commit, and we close through a title company. |
| 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 might keep after editable costs with the Elko home-sale net-proceeds calculator →
Elko and Elko County
Check which local jurisdiction handles your question
Elko is Elko County’s county seat and one of the county’s four incorporated cities. The County publishes a distinct map for the City of Elko and separate maps for other localities. Use the property address to check which city or county office is relevant to your question; the City of Elko market is not all of Elko County.
Before the signatures
Review the settlement figures and Nevada transfer tax
Read the settlement sheet line by line: the price, mortgage and other payoffs, liens, taxes, 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.
Nevada charges real property transfer tax when a deed is recorded. The tax is charged for each $500 of value or part of $500, and rates vary by county. Ask the title company to confirm the Elko County rate and amount for the sale. By law, the buyer and seller are each responsible for the whole tax; the contract can say who pays, but the county can still collect from either one.
When you sell to us, we pay the closing costs.
Your mortgage, liens, back taxes, and share of current property taxes are separate. Read the state rules and tax guidance from the Nevada Revised Statutes ↗, the Nevada Department of Taxation ↗, and its transfer-tax FAQs ↗.
When the process gets 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.
Keep the next question local
Elko seller pages and planning tools
Open the guide for the situation that matches your house, or use the calculator to compare estimated proceeds after costs.
Elko sale process questions
Can I start before every property question is settled?
Yes. Start with the address and what you know about the house, who occupies it, access, and timing. You can call or use the form before every detail is sorted out.
What happens before I commit to a sale?
We'll give you a written cash offer within 24 hours. You get a written offer and written terms before you commit, and we close through a title company. Read the price, responsibilities, possession, timing, costs, and property-specific conditions before you decide whether to proceed.
How do Cash Offer and EZ Sale compare?
Cash Offer is a direct purchase by USA Home Buyers, in 30 days or less, at a lower price. EZ Sale goes to one of our partners, in 60 days or less, at a higher price than the Cash Offer. Both have no repairs, commissions, or closing costs. Compare the written numbers and choose what works for you.
How does Nevada's real property transfer tax work?
Nevada charges real property transfer tax when a deed is recorded, for each $500 of value or part of $500. County rates vary, so ask the title company to confirm the Elko County rate and amount for the sale. State law makes the buyer and seller each responsible for the whole tax; the contract can say who pays, but the county can still collect from either one. When you sell to us, we pay the closing costs, including Nevada's real property transfer tax. Your mortgage, liens, back taxes, and share of current property taxes are separate.
Ready to talk through your Elko house?
Call 888-274-5006 or start with the property address, condition, occupancy, access, and timing in the form above. Questions before every detail is settled are welcome.