Merrillville, IN · Lake County · How it works

How Selling Your Merrillville House to Us Works

USA Home Buyers buys houses in Merrillville, Indiana. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

You can call before every property question is settled. Start with the address and what you know about the house; we can talk through the details with you.

Want to talk first? Call 888-274-5006.

Tell us about the house

We give written cash offers in 24 hours.

Share the address, condition, occupancy, and timing so we can start with the actual property.

From the first conversation to settlement

The Merrillville sale, step by step

Step 1: Tell us about the house
Start with the address, what you know about the condition, who lives there, and your timing. If an estate, notice, mortgage payoff, or lien is part of the picture, tell us what you know. You can start the conversation before every detail is settled.
Step 2: Talk through the property and your choices
We ask about the house, 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 talk through the sale choices so you can compare them with listing, repairing, or waiting.
Step 3: Read the written terms before you decide
You get a written offer and written terms before you commit, and we close through a title company. Read the price, possession, responsibilities, timing, and costs before you decide whether to proceed. No agent commissions when you sell to us. No fees
Step 4: Work through title and payoff details
If you choose to proceed, we work with the title company on the deed, who can sign, mortgage and lien payoffs, and the details needed for closing. We also talk through occupancy, access, and your timing.
Step 5: Review the settlement sheet
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.
Step 6: Choose, sign, and close
Close as fast as 7 days when title and closing details allow. If you decide to go ahead, the title company coordinates the signing and payment. 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

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.

Compare what you would keep after costs with the Merrillville, Indiana calculator →

Questions about the two options? Call 888-274-5006.

Indiana and Merrillville details

Estate authority and property questions

Selling an Indiana house from an estate

An estate’s court-appointed personal representative — the person authorized to handle the estate — can generally sell the house without a separate sale order when the estate is handled without ongoing court supervision. A will may also give the representative authority to sell; if neither applies, a court order may be needed. A valid transfer-on- death deed recorded before the owner died may pass the house to the named beneficiary outside probate. We can talk through the appointment papers, will, or deed you have. If you need an estate attorney, we can help you find one.

Indiana estate administration and sale authority ↗ Indiana transfer-on-death deeds ↗

Town and county permit offices

Merrillville’s Planning & Building Department handles Town building codes and zoning. Lake County’s Plan Commission handles permit and complaint matters in unincorporated county areas. If there’s a notice or permit question, we can look at the address and paperwork with you. Not sure which office covers it? Call us — we’ll sort it out with you.

Town of Merrillville Planning & Building ↗Lake County Plan Commission ↗

Before settlement

Review the settlement numbers

A settlement sheet lays out the sale price, mortgage or lien payoffs, taxes, closing costs, and the amount scheduled to you. 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.

Indiana’s property-transfer filing fee is usually $20, and some transfers are exempt. Recording and other closing charges are separate. When you sell to us, we pay the closing costs.

Lake County Auditor information ↗

Compare what you could keep after costs with the Merrillville home-sale net-proceeds calculator.

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 our sellers say

BBB A rating Read our Google reviews

“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”

Alex Pproperty taxes

“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”

Alice Wforeclosure

“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”

Angela Rmoving

Questions about a specific situation?

Selling an inherited house →Selling during foreclosure →Selling with tenants in place →Selling with code notices →Liens and back taxes →Selling a fire-damaged house →Merrillville home-sale net-proceeds calculator →Merrillville home-selling overview →

Questions about selling a Merrillville house

What should I have ready when I call about a Merrillville house?

Start with the address, condition, who lives there, and your timing. If an estate, notice, payoff, or lien is involved, tell us what you know. You can call before every detail is settled.

Do I have to accept an offer after I ask about selling?

No obligation. You get written terms before you commit, so you can ask questions, compare, or stop before signing.

Who can sell an Indiana house held by an estate?

An Indiana estate’s court-appointed personal representative can generally sell the house without a separate sale order when the estate is handled without ongoing court supervision. A will may give that authority; if neither applies, a court order may be needed. A valid transfer-on-death deed recorded before the owner died may pass the house to the named beneficiary outside probate. If you need an estate attorney, we can help you find one.

Which office handles a Merrillville permit or zoning question?

Merrillville’s Planning & Building Department handles Town building codes and zoning. Lake County’s Plan Commission handles permit and complaint matters in unincorporated county areas. If you have a notice or permit question, call us — we’ll sort it out with you.

What does Indiana property-transfer reporting cost?

The filing fee is usually $20, and some transfers are exempt. Recording and other closing charges are separate. When you sell to us, we pay the closing costs.

What does the settlement sheet show?

It shows how the sale price, mortgage or lien payoffs, taxes, and closing costs break down, including the amount scheduled to you.

Start with what you know about the house

Call 888-274-5006 or tell us about the property in the form above. Questions are welcome before every document is ready.

Return to the Merrillville home-selling overview →