Florence, AL · Lauderdale County · How selling to us works
How Selling Your Florence House to Us Works
USA Home Buyers buys houses as-is in Florence and Lauderdale County, Alabama. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You can start the conversation before every property question is settled.
Ask for a written cash offer or call 888-274-5006. You do not need to have every answer ready before you call.
Tell us about the houseWe give written cash offers in 24 hours.
Share the address and what you know about condition, occupancy, and timing. You can start before every detail is settled.
We'll give you a written cash offer within 24 hours.
2. The sale, step by step
From the first conversation to settlement
1. Tell us what you know about the house
Start with the address, condition, who lives there, access, and the timing you are considering. Mention an estate, tenant, code notice, foreclosure notice, mortgage payoff, lien, tax account, or move deadline if one is part of the situation. You can begin before every detail is settled.
2. Talk through the property and read the offer
We ask practical questions about the house and its condition. We give written cash offers in 24 hours. Written offer and written terms before you commit; title-company closing. Read the price, timing, responsibilities, possession, costs, and property-specific conditions before deciding whether to proceed.
3. Work through title and payoff details
If you choose to proceed, the title company checks the deed, ownership and signing authority, mortgage payoff information, liens, taxes, and documents needed for closing. Keep the statements, notices, or estate papers that apply to the house available so the right questions can be addressed.
4. 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.
5. Decide whether to close
You can ask questions and review the written terms before signing. 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 Florence calculator →
Questions about the two options? Call 888-274-5006.
4. Useful local details
Florence and Lauderdale County are different jurisdictions
The incorporated City of Florence is in Lauderdale County. That city-boundary fact does not establish whether an address outside the city boundary is inside Florence. If a question depends on City jurisdiction, use the exact property address. The City of Florence ↗ and the Florence and Lauderdale County resources page provide starting points for local questions and records.
5. Closing numbers
Alabama deed tax and your settlement figures
Alabama charges deed tax when a deed is recorded with the county probate judge. The rate is 50 cents for each $500 of taxable value, or any part of $500. A mortgage or vendor's lien on which Alabama mortgage tax has been paid may reduce the taxable value; the closing attorney confirms whether and how much. The deed must include proof of its actual price or value. Without proof, the probate office uses the latest tax assessment, and penalties can apply. Some deeds are exempt, including certain nominal-price deeds that only correct title. The deed tax and recording fees must be 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.
Alabama Code § 40-22-1: deed tax ↗ · Alabama Department of Revenue: recordation tax ↗
For an editable comparison of possible net proceeds, use the Florence home-sale net-proceeds calculator.
6. 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.
7. Questions and contact
Find the next page or tool
If the sale involves an estate, deadline, tenant, code notice, fire damage, lien, or back taxes, use the page for that situation. You can also compare sale choices and contact us before every property question is settled.
Questions about the Florence selling process
Do you buy houses as-is in Florence and Lauderdale County?
Yes. USA Home Buyers buys houses as-is in Florence and Lauderdale County, Alabama. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Can I start before every property question is settled?
Yes. Start with the address and what you know about the house, its condition, occupancy, access, and timing. You can call or use the form before every detail is settled.
When will I get a written cash offer?
We'll give you a written cash offer within 24 hours. You can start with the details you have about the property.
Who checks the title, mortgage payoff, and liens?
If you choose to proceed, the title company reviews the deed, ownership and signing authority, mortgage payoff information, liens, taxes, and documents needed for settlement. Your mortgage, liens, back taxes, and share of current property taxes are separate from the closing costs we pay.
Who pays Alabama 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.
What does the settlement sheet show?
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.
Talk through the house with us
Call 888-274-5006 or use the property form above. Start with what you know.
Ready to talk about your Florence house?
Call 888-274-5006 or start with the property address and what you know in the form above.