Moline, IL · Rock Island County · How the sale works
How Selling Your Moline House to Us Works
We’re USA Home Buyers. We buy houses as-is in Moline and Rock Island County, Illinois. Start with the address and what you know about the house; you can call before every property question is settled.
Have a question or want to start now? 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.
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 what you know about the house
Start with the Moline address, the condition, who lives there, access, and the timing you have in mind. You can start the conversation before every property question is settled. If an estate, tenant, payoff, lien, tax notice, or deadline is part of the situation, tell us what you know so far.
Step 2: Talk through the property and your choices
We talk about the house as it sits, including its condition, repairs, occupancy, access, and timing. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We can discuss a Cash Offer, EZ Sale, listing, or another path and what still needs to be checked for this property.
Step 3: Read the written offer and terms
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, signing authority, 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 closing. Bring the statements, notices, and estate papers you have so the questions for this property can be checked. You do not need every answer before the first conversation.
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.
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 after costs with the Moline home-sale net-proceeds calculator →
Moline and Rock Island County details
Use the local office that handles the question
Moline is in Rock Island County. That city-wide boundary fact does not determine a particular property’s title, tax treatment, or who can sign. For code or permit questions, first confirm that the house is within Moline city limits. These offices are starting points for local records; the title company checks what applies to your sale.
Rock Island County Recorder's Office ↗
Recorded deeds, mortgages, liens, and other real-property documents.
Rock Island County Circuit Clerk ↗
County court-record information, including a route to probate information.
City of Moline Building / Inspections Division ↗
Permits, plan review, inspections, and code enforcement for properties within Moline city limits.
Closing numbers
Review the settlement figures and Illinois transfer taxes
The settlement sheet lays out the sale price, payoffs, liens, taxes, other costs, and 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.
For a taxable Illinois transfer, the state tax is 50 cents for each $500 of taxable value, or part of $500. A county can add 25 cents for each $500, and some cities impose their own transfer taxes. Exemptions and the transaction’s taxable value can change the amount. The property’s actual county and city determine local taxes and who is responsible; the title company confirms the figures for the sale.
When you sell to us, we pay the closing costs.
Your mortgage balance, liens, back taxes, and share of current property taxes are separate settlement items.
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.
Questions and contact
Find the next step for your Moline house
Choose a page for the situation you’re facing, compare the numbers with the calculator, or call before every property question is settled.
- Inherited-property questions →
- Foreclosure deadlines →
- Selling during a divorce →
- Tenant-occupied houses →
- Code notices and repairs →
- Fire-damaged property →
- Property liens and back taxes →
- Moline net-proceeds calculator →
Questions about selling a Moline house
Can I start before every property question is settled?
Yes. Call 888-274-5006 or use the form with the Moline 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.
What does selling a house as-is mean?
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 checks title, signing authority, and payoffs?
The title company checks the deed, who can sign, mortgage payoffs, liens, taxes, and the documents needed for closing. Rock Island County offices can help locate local records; the title company checks what applies to the specific property.
How do Illinois transfer taxes affect closing?
For a taxable transfer, Illinois charges 50 cents for each $500 of taxable value, or part of $500. A county can add 25 cents for each $500, and some cities impose their own transfer taxes. Exemptions and taxable value can change the amount. The property's actual city and county determine local taxes and who is responsible. When you sell to us, we pay the closing costs.
What happens if something gets in the way of closing?
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.
Ready to talk through your Moline house?
Call 888-274-5006 or start with the address and what you know about the property. Questions before documents are ready are welcome.