Gary, IN · Lake County · How it works
How Selling Your Gary House to Us Works
1. Tell us about the house
USA Home Buyers buys houses as-is in Gary and Lake County, Indiana. 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 about the house. You can call before every property question is settled.
Questions before the papers are ready? Call 888-274-5006 or use the form to tell us about the house.
Start with the property detailsWe'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address and what you know about condition, occupancy, and timing.
2. The sale, step by step
From the first conversation to settlement
Step 1: Tell us about the house
Start with the Gary address and what you know about condition, occupancy, access, and timing. You can start the conversation before every property question is settled. If an estate, payoff, lien, tax notice, tenant, code notice, or move date is part of the situation, tell us what you know so far.
Step 2: Talk through the property and the sale choices
We ask practical questions about the house as it sits, including repairs, occupancy, access, ownership, and timing. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We discuss the choices and you can ask questions before deciding what to do.
Step 3: 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 terms before you decide whether to proceed.
Step 4: Let the title company check ownership 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. A payoff is the amount needed to satisfy a mortgage or other obligation; a lien is a recorded claim for money. Keep any statements, notices, and estate papers you have so the title company can check what applies to this house.
Step 5: 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. You're going to get a fair price and not have to do anything. Just show up at settlement.
Step 6: Choose, sign, and close
You decide whether to proceed, compare another option, or stop before signing. If you proceed, the title company handles the closing and confirms the final numbers.
Cash Offer or EZ Sale: compare the written numbers
3. Two ways to 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 | 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 Gary calculator →
Questions about the two options? Call 888-274-5006.
4. Useful Gary and Lake County details
Find the local record for the question
Gary’s incorporated-place boundary is in Lake County only. The city handles its own building permits and inspections; Lake County offices keep county land and court records. Use the property address to ask about a specific permit, deed, lien, or estate record.
Gary Building Department ↗
The City lists permits and inspections among the Building Department’s work. If a permit, inspection, or code notice affects the house, ask about the record for its exact address.
Lake County Recorder ↗
The Recorder keeps county land records such as deeds, mortgages, liens, and releases. The title company checks the records that apply to the particular sale.
Lake County Circuit Court ↗
The Circuit Court lists probate among its work. A title company checks the signing documents for the sale; an estate-specific question may also need the appropriate court or attorney.
5. Closing numbers
Review the settlement sheet and what you would receive
The settlement sheet shows the sale price, mortgage payoff, liens, taxes, other costs, and the amount scheduled for disbursement. Ask about any line you do not recognize. The title company confirms the final numbers.
When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate.
Compare an estimate of what you might keep after editable costs with the Gary home-sale net-proceeds calculator →.
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.
What sellers say about USA Home Buyers
7. Questions and contact
Find guidance for your situation
If an estate, foreclosure notice, tenant, code issue, fire damage, or lien affects the next steps, start with the page that matches your question:
- Inherited property and estate questions →
- Foreclosure or sheriff-sale notice →
- Selling during a divorce →
- Tenant-occupied property →
- Code notice or property condition →
- Fire-damaged house →
- Mortgage, lien, or release questions →
Open the Gary home-sale net-proceeds calculator →
Questions about the Gary sale process
Can I start before every property question is settled?
Yes. Start with the Gary address and what you know about condition, occupancy, access, and timing. You can bring up an estate, payoff, lien, tax notice, tenant, code notice, or move date while details are still being checked.
What do I get before I decide whether to sell?
We give written cash offers in 24 hours. Written offer and written terms before you commit; title-company closing.
Who checks title, signing authority, and payoffs?
The title company checks the deed, who can sign, mortgage payoffs, liens, taxes, and the documents needed for settlement. Keep any statements, notices, and estate papers you have so it can check what applies to this house.
What will the settlement sheet show?
It shows the sale price, mortgage payoff, liens, taxes, other costs, and the amount scheduled for disbursement. The title company confirms the final numbers. When you sell to us, we pay the closing costs; your mortgage, liens, back taxes, and share of current property taxes are separate.
Ready to talk through your Gary house?
Start with what you know about the property. Call 888-274-5006 or use the cash-offer form above.