Erlanger, KY · Kenton County · How selling to us works
How Selling Your Erlanger House to Us Works
USA Home Buyers buys houses in Erlanger and Kenton County. Tell us what you know about the house, and we can talk through the sale before every property question is settled.
Questions now? Call 888-274-5006.
Tell us about the houseWe give written cash offers in 24 hours.
Share the address and what you know about the house. Start with the details you have.
From the first conversation to settlement
The sale, step by step
Tell us what you know about the house
Start with the Erlanger address, the house's condition, who lives there, and your timing. You can call or use the form before every property question is settled.
Talk through the property and your choices
We ask practical questions about the house, including its condition, 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 sale options that fit the property and your situation.
Read the written offer and terms
We give written cash offers in 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 terms before you decide whether to proceed.
Work through title, signing authority, and payoffs
We work with the title company to review the deed, who can sign, mortgage payoffs, liens, taxes, and the documents needed for closing. We also talk with you about occupancy, access, belongings, and moving timing.
Review the settlement sheet
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.
Choose, sign, and close
Close as fast as 7 days when title and closing details allow. If you choose to proceed, sign the final papers through the title company. 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
For a direct Cash Offer, USA Home Buyers buys the house. No agent commissions when you sell to us.
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 would keep after costs with the Erlanger, KY calculator →
Questions about the two options? Call 888-274-5006.
Kentucky closing details
Kentucky real estate transfer tax
Kentucky charges 50 cents for each $500 of value or fraction of $500. The grantor—the seller—owes the tax, and the county clerk collects it before the deed can be recorded. Some transfers are exempt, and recording fees are separate; the title company can check whether an exemption applies to your sale. Read Kentucky Revised Statutes § 142.050, real estate transfer tax ↗
Closing numbers
See how the settlement figures add up
The settlement sheet shows the sale price and the amount scheduled for you, along with any mortgage payoff, liens, back taxes, and current-property-tax share as separate items when they apply. 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.
When you sell to us, we pay the closing costs.
No fees
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.
What our sellers say
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Questions and contact
Find the next answer for your Erlanger house
Call 888-274-5006 or use the form above. You can start with what you know about the house.
Questions about selling an Erlanger house
Can I start before every property detail is settled?
Yes. Start with the address and what you know about the house, who lives there, and your timing. You can call or use the form while details are still being sorted out.
Do I need to repair or clean out the house before selling to you?
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?
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 the title and payoff details?
We work with the title company to review ownership, who can sign, mortgage payoff information, liens, taxes, and the documents needed for closing. We can talk through what you know about the house and any open questions.
How does Kentucky real estate transfer tax work?
Kentucky real estate transfer tax is 50 cents for each $500 of value or fraction of $500. The grantor—the seller—owes it, and the county clerk collects it before the deed can be recorded. Some transfers are exempt, and recording fees are separate; the title company can check whether an exemption applies to your sale.
What closing costs do you pay?
Your mortgage payoff, liens, back taxes, and share of current property taxes are separate settlement items when they apply. When you sell to us, we pay the closing costs. No fees
How do I review the amount scheduled for closing?
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.