Indianapolis, IN · Marion County · How the sale works
How Selling Your Indianapolis House to Us Works
USA Home Buyers buys houses in Indianapolis and Marion County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You can call or use the form before every property question is settled.
Call 888-274-5006 and tell us what is going on with the house.
Tell us about the houseWe'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 the house. Unknown details can be sorted out in the conversation.
From the first conversation to settlement
The sale, step by step
Step 1: Tell us about the house
Start with the Indianapolis address and what you know about the house: its condition, who is living there, access, and timing. You can start the conversation before every property question is settled. If a payoff, lien, estate, notice, or move date is still unclear, say what you do know.
Step 2: Talk through the property as it is
We ask about 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.
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 conditions before you decide whether to proceed.
Step 4: Work through title, payoffs, and signing details
The title company checks the deed, who can sign, mortgage payoffs, liens, taxes, and the documents needed for closing. A payoff is the amount needed to satisfy a mortgage or other obligation. A lien is a recorded claim for money against the property. You can start with what you know while any open questions are checked.
Step 5: Review the settlement figures and close
The settlement sheet shows how the sale money breaks down. The title company confirms the final figures, and its instructions explain signing and disbursement.
Two ways to sell to us: compare the written numbers
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 Indianapolis home-sale calculator →
Indianapolis and Marion County
Local records can help you gather the starting facts
For recorded property documents, the Marion County Recorder is a local starting point. For court or estate questions, start with Marion Superior Court. These records can help you gather information; the title company checks the documents, payoffs, liens, taxes, and signing authority needed for this sale.
Before settlement
Review the settlement figures
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.
When you sell to us, we pay the closing costs. Your mortgage payoff, liens, back taxes, and share of current property taxes remain separate.
When things get difficult
We keep working toward the closing table
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
Here's what sellers have said about working with us.
“I retired from Carle Hospital after thirty-three years as a nurse and decided to move to Arizona to be near my son. My house in Lincolnwood had been good to me but it needed some work I wasn't willing to do. USA Home Buyers made an offer the day after we spoke. I was in Tucson six weeks later.”
“I'd been renting to UIUC students in Old West Urbana for eleven years. Every August it was the same: new tenants, new damage, new headaches. Last summer I decided I was done. USA Home Buyers bought the place tenant-occupied. Closed in twelve days. I'm out of the landlord business.”
“The Champaign County divorce decree required the house to be sold. It's in Savoy, near the university, good area — but we couldn't agree on anything. One offer was already written up for us and both of us just had to sign. Twelve days and it was done. The attorneys took care of the rest.”
Questions about selling an Indianapolis house
Can I contact you before every property question is settled?
Yes. Start with the Indianapolis address and what you know about condition, occupancy, access, and timing. Tell us which details are still unclear so the right questions can be identified.
Do you buy houses as-is in Indianapolis and Marion County?
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 pays closing costs, and what stays separate?
When you sell to us, we pay the closing costs. Your mortgage payoff, liens, back taxes, and share of current property taxes remain separate.
Questions and next steps
Start with what you know about the house
Call 888-274-5006 or use the form above. You do not have to settle every property question before the first conversation.