Lubbock, TX · Lubbock County · How the process works
How Selling Your Lubbock House to Us Works
USA Home Buyers buys houses as-is in Lubbock and Lubbock County, Texas. Tell us what you know about the house; you can start the conversation before every property question is settled.
Want to talk first? Call 888-274-5006.
Tell us about the houseWe'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Start with the address and what you know. You can begin before every property question is settled.
From the first conversation to settlement
The sale, step by step
Step 1: Tell us about the house
Start with the Lubbock address and what you know about the condition, who is living there, access, and timing. If an estate, payoff, lien, tax balance, tenant, or notice is part of the situation, tell us what you know so far. You can start the conversation before every property question is settled.
Step 2: Talk through the property and your choices
We talk through the house as it stands, including condition, repairs, 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 explain which sale choices fit the property and what still needs to be checked.
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 deciding whether to proceed.
Step 4: Work through title, signing authority, and payoffs
If you choose to move forward, 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. If something is still unclear, you can begin with what you know while the right records and figures are identified.
Step 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. The title company handles the closing and confirms the final numbers.
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
Cash Offer or EZ Sale: 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 estimated proceeds with the Lubbock home-sale calculator →
Lubbock and Texas closing details
No real-estate transfer tax on a full-ownership sale
Texas has no state, county, or city real-estate transfer tax on a sale that conveys full ownership of a house. The deed still has to be signed before a notary and recorded with the county clerk. The Texas Constitution, Article VIII, Section 29 bars a transfer tax on that type of conveyance.
When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate settlement items.
Closing numbers
Read the settlement figures
The settlement sheet shows the sale price, mortgage payoff, liens, taxes, other listed charges, and the amount scheduled for disbursement. 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. Your mortgage, liens, back taxes, and share of current property taxes are separate amounts on the settlement figures.
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.
More help for a specific situation
Questions about selling to us in Lubbock
Can I start before every property question is settled?
Yes. Call 888-274-5006 or use the form with the Lubbock property address and what you know so far. You can tell us which details about condition, occupancy, a payoff, lien, or estate are still unknown.
Do you buy houses as-is in Lubbock and Lubbock County?
Yes. USA Home Buyers buys houses as-is in Lubbock and Lubbock County, Texas. 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?
We give written cash offers in 24 hours. Written offer and written terms before you commit; title-company closing.
Does Texas charge a real-estate transfer tax when I sell?
No state, county, or city real-estate transfer tax applies to a sale that conveys full ownership of the property. The deed still has to be signed before a notary and recorded with the county clerk.
Who pays closing costs, and what remains separate?
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 about your Lubbock house?
Call 888-274-5006 or use the form above. Start with the address and what you know; open questions can be sorted out as you talk.