Peoria, IL · Peoria County · How selling to us works
How Selling Your Peoria House to Us Works
USA Home Buyers buys houses as-is in Peoria and Peoria County. You can start with the address and what you know, even if a payoff, lien, estate, or another property detail is still being sorted out.
Questions before documents are ready? Call 888-274-5006.
Tell us about the house
We give written cash offers in 24 hours.
Start with the address, condition, occupancy, and timing. You can share what is still unknown.
From the first conversation to settlement
The sale, step by step
Step 1: Start with what you know about the house
Start with the address and what you know about the condition, occupancy, access, and timing. You can start before a payoff, lien, estate, tax account, or notice is fully sorted out.
Step 2: Talk through the property and the choices
We ask about the house as it sits and what matters to you. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We can talk through the Cash Offer and EZ Sale choices alongside listing or another path. The EZ Sale includes partner visits.
Step 3: Read the written offer and terms
We give written cash offers in 24 hours. You get a written offer and written terms before you commit, and we close through a title company. Review the clear written terms up front: they spell out the price, responsibilities, possession, timing, costs, and property-specific conditions before you decide whether to proceed.
Step 4: Work through title, authority, and payoffs
We review title, payoff, occupancy, seller authority, liens, taxes, and the documents needed for closing with the title company. We work through open details as the sale moves forward.
Step 5: Review the settlement sheet
A 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.
Step 6: Sign and close through the title company
You review the final papers through the title company, which confirms the settlement numbers. Close as fast as 7 days when title and closing details allow. 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 Peoria calculator →
Questions about the two options? Call 888-274-5006.
Useful local details
City code questions in Peoria
Peoria is in Peoria County. For a City of Peoria code issue, the City's Code Enforcement office handles city code questions. We work with the title company to account for any notice that affects the sale.
Closing numbers
Illinois transfer taxes and your settlement sheet
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 the transaction's taxable value can change the amount. The property's actual county and city determine which local taxes apply and who is responsible for them.
When you sell to us, we pay the closing costs.
No fees. No agent commissions when you sell to us.
Your mortgage payoff, liens, back taxes, and share of current property taxes are separate from the closing costs we pay. Review each line with us; the title company confirms the final settlement numbers.
Illinois Department of Revenue transfer-tax overview ↗ 35 ILCS 200/31-10 ↗ Illinois transfer-declaration instructions ↗
When something gets 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 our sellers say
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Questions and contact
Find guidance for your situation
Read the page that fits your next question, or use the calculator to compare estimated proceeds after costs.
Questions about selling a Peoria house
Can I call before every property question is settled?
Yes. Start with the address and what you know about the condition, occupancy, access, and timing. We can talk through open questions as the sale moves forward.
What does selling 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 reviews the title, payoff, and settlement figures?
We review title, payoff, occupancy, seller authority, liens, taxes, and the documents needed for closing with the title company. 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.
Who pays Illinois transfer taxes when I sell to you?
When you sell to us, we pay the closing costs. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate from the closing costs we pay.
Talk through your Peoria house
Call 888-274-5006 or start with what you know in the form above. You do not have to wait until every property question is settled.