Selmer, TN · McNairy County · How selling works
How Selling Your Selmer House to Us Works
Tell us about the house
USA Home Buyers buys houses as-is in Selmer and McNairy County, Tennessee. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Start with the address and what you know; you do not need every property question answered before the first conversation.
Call 888-274-5006 or use the form to start.
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, access, and timing. Begin with what you know.
From the first conversation to settlement
The sale, step by step
1. Talk through the property
We ask about the address, condition, repairs, occupancy, access, and timing. Tell us if an estate, payoff, lien, tax account, or notice is part of the situation. Start with what you know; you can call before every detail is settled.
2. Review the written offer and terms
We give written cash offers in 24 hours. Read the written price, responsibilities, possession, timing, and costs before deciding whether to proceed. You get a written offer and written terms before you commit, and we close through a title company.
3. Work through title and payoffs
If you choose to proceed, the title company reviews ownership, who can sign, mortgage payoffs, liens, taxes, and the documents needed for settlement. A payoff is the amount needed to satisfy a mortgage or other obligation. Share current statements, notices, or estate papers you have so the title company can identify what applies to this sale.
4. 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. If you proceed, the title company handles the closing. You're going to get a fair price and not have to do anything. Just show up at settlement.
Two ways to sell
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 may keep after costs with the Selmer home-sale net-proceeds calculator.
Closing numbers
Review the settlement figures and Tennessee tax
The settlement sheet shows the sale price, mortgage payoff, liens, taxes, other listed charges, and the 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.
Tennessee charges a realty transfer tax when the deed is recorded. The rate is 37 cents for each $100 of the price paid or the property’s value, whichever is greater. State law makes the buyer responsible, and the county Register of Deeds collects the tax for the state. Some transfers are exempt; the title company checks what applies to the deed.
When you sell to us, we pay the closing costs.
Your mortgage, liens, back taxes, and share of current property taxes are separate settlement items.
When things get difficult
We keep working through the bumps
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 answer for your Selmer house
Selmer process questions
Can I start before every property question is settled?
Yes. Call 888-274-5006 or use the form with the Selmer address and what you know about the condition, occupancy, access, and timing. You can start while estate, payoff, lien, or tax questions are still being sorted out.
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.
What does the title company check?
The title company reviews ownership, who can sign, mortgage payoffs, liens, taxes, and the records and documents needed for settlement. Bring any statements, notices, or estate papers you have so the title company can identify what applies to this sale.
Who pays Tennessee’s realty transfer tax?
For a taxable deed transfer, Tennessee’s realty transfer tax is 37 cents for each $100 of the price paid or the property’s value, whichever is greater. State law makes the buyer responsible, and the county Register of Deeds collects it for the state. Some transfers are exempt. When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate.
How do I review the settlement figures?
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.
Call 888-274-5006 or use the property form above. You can start with what you know.