City of Saginaw · Saginaw County · Michigan / How it works
How Selling Your Saginaw House to Us Works
USA Home Buyers buys houses in the City of Saginaw and across Saginaw County, Michigan. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
You can start the conversation before every property question is settled. Share the address and what you know about the house, who lives there, access, and timing.
Questions before you have every document? 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 the details you know.
From first conversation to settlement
The sale, step by step
1. Tell us about the house
Start with the address, condition, who lives there, access, and the timing you are considering. If an estate, payoff, lien, tax account, tenant, or code notice is part of the situation, mention what you know. You do not need every answer before the first conversation.
2. Talk through the property
We ask practical questions about the house as it sits, its condition, access, occupancy, ownership, and timing. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
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, and costs before you decide whether to proceed, compare another path, or stop before signing.
4. Work through title and payoff details
If you choose to move forward, the title company checks the deed, who can sign, mortgage payoff information, liens, taxes, and the documents needed for settlement. A mortgage balance, lien, or back-tax amount is separate from the closing costs we pay.
5. Review the settlement sheet and close
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.
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
Compare the written Cash Offer and EZ Sale terms with the sale path that fits your house. Either way, you decide after you have 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 what you would keep after costs with the Saginaw, MI calculator →
Questions about the two options? Call 888-274-5006.
Local details that can affect closing
Confirm the property's county and tax account
The City of Saginaw is within Saginaw County. That identifies the county to start with, but it does not determine every parcel's title or tax-account details. Check the actual property address and records for the sale. The County's list of local municipalities ↗ includes the City, and the City of Saginaw Assessing ↗ page provides city assessment information.
Closing numbers
See what the settlement figures mean for you
The settlement sheet lays out the sale price, payoffs, taxes, costs, and the amount scheduled to go to you. The title company confirms the final numbers for your sale.
For an ordinary taxable sale, Michigan's state real estate transfer tax is $3.75 for each $500 of value, or part of $500. County transfer tax is generally another 55 cents for each $500, or part. State and county exemptions are separate, so the property, sale value, and any exemption need to be checked for the actual sale.
When you sell to us, we pay the closing costs. Your mortgage balance, liens, back taxes, and share of current property taxes remain separate amounts.
Michigan state transfer-tax law, Chapter 207 ↗ Michigan county transfer-tax law, Act 134 of 1966 ↗
Saginaw, MI Home Sale Net Proceeds Calculator
CalculatorCompare what you would keep from listing your house or selling as-is for cash. Change the repair costs, cleanout, monthly bills and closing costs to fit your house.
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.
What sellers say about USA Home Buyers
Questions and contact
Find the next answer for your situation
Saginaw process questions
Can I start before every property question is settled?
Yes. Start with the address and what you know about the house, who lives there, access, and the timing you are considering. You can bring up estate, payoff, lien, tax-account, or code-notice questions as they become clearer.
Do I have to repair, clean, or clear out the house first?
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
What will I see before deciding whether to sell?
We give written cash offers in 24 hours. Written offer and written terms before you commit; title-company closing.
What Michigan transfer taxes should I expect?
For an ordinary taxable sale, Michigan state real estate transfer tax is $3.75 for each $500 of value, or part of $500. County transfer tax is generally another 55 cents for each $500, or part. State and county exemptions are separate, so the title company checks the county, sale value, and any exemption for the actual sale. When you sell to us, we pay the closing costs, including Michigan state and county real estate transfer taxes. Your mortgage balance, liens, back taxes, and share of current property taxes remain separate.
How are the settlement figures reviewed?
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.
Do I have to accept an offer after I ask about the house?
No obligation. Read the written terms and decide whether to proceed, compare another option, or stop before signing.
Ready to talk through your Saginaw house?
Call 888-274-5006 or start with the address and what you know about the property. You do not have to settle every question before the conversation.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address and the details you know.