Florence, KY · Boone County · How the sale works
How Selling Your Florence House to Us Works
We buy houses as-is in Florence and Boone County, Kentucky. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Tell us what you know about the house and what matters to you; you can start while some property details are still open.
We answer 24/7 at 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, who lives there, and your timing.
From the first conversation to settlement
The sale, step by step
1. Tell us about the house
Start with the Florence address and what you know about condition, occupancy, access, ownership, and timing. If an estate, mortgage payoff, lien, tax bill, or notice is part of the situation, mention it. You can start before every answer is in hand.
2. Talk through the property
We ask about the house as it stands, including its condition, repairs, who lives there, access, and the timing you have in mind. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
3. 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, costs, and timing before you decide whether to proceed.
4. Work through title and payoffs
We work with the title company to review the deed, who can sign, mortgage payoff information, liens, taxes, and the documents needed for closing. If an estate or another question affects the paperwork, we can talk through what you have with you.
5. Review the settlement sheet and 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.
Close as fast as 7 days when title and closing details allow.
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. |
Cash Offer is a direct purchase by USA Home Buyers. No agent commissions when you sell to us. No fees.
Compare what you might keep after costs with the Florence home-sale net-proceeds calculator →
Closing numbers
Kentucky real estate transfer tax
Kentucky charges a real estate transfer tax when a deed transfers property: 50 cents for each $500 of value or fraction of $500. State law assigns the tax to the grantor, meaning the seller, and the county clerk collects it before the deed can be recorded. Some transfers are exempt, including certain foreclosure, spouse-to-spouse, and government transfers. Recording fees are separate, and the title company can check whether an exemption applies to your sale. Read Kentucky Revised Statutes § 142.050 →
The settlement sheet lays out the sale price, mortgage payoff, liens, taxes, closing costs, and the amount scheduled for disbursement. Mortgage balances, liens, back taxes, and your share of current property taxes are separate settlement items.
When you sell to us, we pay the closing costs.
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
Talk through your Florence house
Call 888-274-5006 or use the form above. You can start with what you know before every property question is settled.
Questions about the Florence sale process
Can I call before every detail is settled?
Yes. Start with the Florence address and what you know about the house, who lives there, and your timing. We can talk through the open questions together.
Do I need to repair, clean, or empty the house first?
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
What do I see before I decide whether to sell?
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, costs, and timing before you decide.
Who checks title and payoff details?
We work with the title company to review the deed, who can sign, mortgage payoff information, liens, taxes, and the documents needed for closing. If an estate or another property question is part of the sale, tell us what you know and we can talk it through.
Who pays Kentucky real estate transfer tax?
Kentucky charges 50 cents for each $500 of value or fraction of $500. State law assigns the tax to the grantor—the seller—and the county clerk collects it before the deed can be recorded. Some transfers are exempt, and deed-recording fees are separate. When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax.