Phillipsburg, NJ · Warren County · How it works
How Selling Your Phillipsburg House to Us Works
USA Home Buyers buys houses as-is in the Town of Phillipsburg and Warren County, New Jersey. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Tell us what you know about the property; you can start the conversation before every question is settled.
Questions before documents are ready? 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, condition, occupancy, and timing. Start with what you know.
From the first conversation to settlement
The sale, step by step
Start with what you know about the house
Tell us the Phillipsburg address, the condition, who lives there, 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 balance, code notice, or deadline is part of the situation, tell us what you know so far.
Talk through the property and the choices
We talk about the house as it is, including its condition, access, occupancy, repairs, and timing. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We explain the written choices so you can compare them with listing or another path.
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.
Work through title, authority, and payoffs
The title company reviews the deed, who can sign, mortgage payoffs, liens, tax items, and the documents needed for closing. A payoff is the amount needed to satisfy a mortgage or other obligation; a lien is a claim for money against the property. You can begin the conversation while some details are still being sorted out.
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. |
Want to compare what you might keep after editable costs? Open the Phillipsburg home-sale net-proceeds calculator →
Before the signatures
Review the settlement sheet and New Jersey fees
The settlement sheet lists the sale price, mortgage and other payoffs, liens, taxes, costs, and the amount scheduled for disbursement. Ask about any line you do not recognize before signing. 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.
New Jersey charges the seller a realty transfer fee when the deed is recorded. For prices up to $350,000, the rate is $2 per $500 on the first $150,000, $3.35 per $500 on the next $50,000, and $3.90 per $500 from $200,000 through $350,000. That comes to $600 on a $150,000 sale and $935 on a $200,000 sale. Above $350,000, a higher rate schedule applies to the whole price.
A separate graduated percent fee applies to a home sale over $1 million unless the transfer is exempt. The rate applies to the whole price: 1% over $1 million through $2 million, 2% over $2 million through $2.5 million, 2.5% over $2.5 million through $3 million, 3% over $3 million through $3.5 million, and 3.5% above $3.5 million.
When you sell to us, we pay the closing costs, including New Jersey's realty transfer fee and any applicable graduated percent fee. Your mortgage balance, liens, back taxes, and share of current property taxes are separate.
Check the current rules and any exemptions with the New Jersey Division of Taxation's realty transfer fee information ↗ and its realty transfer fee FAQs ↗. The title company confirms the final settlement figures.
When the process 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.
Local questions and next steps
Find guidance for your situation
If an estate, foreclosure notice, tenant, code issue, fire damage, or lien is part of the sale, these Phillipsburg pages cover the related questions. You can call before every document or detail is in hand.
Phillipsburg selling-process questions
Can I start before every property question is settled?
Yes. Start with the Phillipsburg address and what you know about condition, occupancy, and timing. Tell us which details are still unknown; you can bring in the relevant papers as you get them.
Do I have to repair or clean out the house first?
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Who checks the deed, liens, and mortgage payoff?
The title company reviews the deed, who can sign, mortgage payoffs, liens, tax items, and the documents needed for closing. A payoff is the amount needed to satisfy a mortgage or other obligation; a lien is a claim for money against the property.
What is the difference between Cash Offer and EZ Sale?
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. Cash Offer — USA Home Buyers buys directly. 30 days or less. Lower price. No repairs, no commissions, no closing costs. EZ Sale — goes to one of our partners. 60 days or less. Higher price than the Cash Offer. Still no repairs, no commissions, no closing costs.
What closing costs does USA Home Buyers pay?
When you sell to us, we pay the closing costs, including New Jersey's realty transfer fee and any applicable graduated percent fee. Your mortgage balance, liens, back taxes, and share of current property taxes are separate.
What New Jersey transfer fees can appear in the settlement figures?
New Jersey charges the seller a realty transfer fee when the deed is recorded. For prices up to $350,000, the rate is $2 per $500 on the first $150,000, $3.35 per $500 on the next $50,000, and $3.90 per $500 from $200,000 through $350,000. That comes to $600 on a $150,000 sale and $935 on a $200,000 sale. Above $350,000, a higher rate schedule applies to the whole price. A separate graduated percent fee applies to a home sale over $1 million unless the transfer is exempt. The rate applies to the whole price: 1% over $1 million through $2 million, 2% over $2 million through $2.5 million, 2.5% over $2.5 million through $3 million, 3% over $3 million through $3.5 million, and 3.5% above $3.5 million.
Phillipsburg resources and calculator
Questions about selling your Phillipsburg house?
Call 888-274-5006 or return to the form above. We can start with what you know about the address, condition, occupancy, and timing.