Sturgis, MI · St. Joseph County · How it works
How Selling Your Sturgis House to Us Works
We're USA Home Buyers. We buy houses as-is in the City of Sturgis and St. Joseph County, Michigan. 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 about the property. You can call before every detail is settled; we'll talk through its condition, access, occupancy, and the timing you are considering.
Want to talk first? Call USA Home Buyers at 888-274-5006.
Ask about a cash offerFrom the first conversation to settlement
The Sturgis sale, step by step
Tell us what you know about the house
Start with the address, condition, who lives there, access, and the timing you are considering. Mention an estate, payoff, lien, tax notice, tenant, or repair issue if it is part of the situation. You can start the conversation before every property question is settled.
Talk through the property
We ask practical questions about the house, 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. Then we can talk through the available sale choices.
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. Read the price, responsibilities, possession, timing, costs, and property-specific conditions before you decide whether to proceed, compare another path, or stop before signing.
Work through title, signing authority, and payoffs
If you choose to proceed, the title company checks the deed, ownership, who can sign, mortgage payoff information, liens, taxes, and the documents needed for settlement. Bring the statements, notices, or estate papers you have; open questions can be identified while the closing file is prepared.
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.
Close through the title company
If you decide to proceed, the closing is through a title company. 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. Compare the written numbers and terms, then choose what works best for you.
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 Sturgis, MI calculator →
Questions about the two options? Call 888-274-5006.
A local detail that can affect the steps
Confirm the municipality for the property
St. Joseph County lists Sturgis City and Sturgis Township separately. A Sturgis mailing address alone does not show which municipality contains a parcel. Check the actual property record or official map before relying on City-specific information.
Closing numbers
Read the settlement figures before closing
The settlement sheet shows the sale price, payoffs, liens, taxes, costs, and the amount scheduled for disbursement. Ask about any line you do not recognize. 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 an ordinary taxable sale, Michigan's state real estate transfer tax is $3.75 for each $500 of the property's value at the time of sale, or part of $500. The county real estate transfer tax is generally another 55 cents for each $500, or part of $500. State and county exemptions are separate, so the property's county, 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 payoff, liens, back taxes, and share of current property taxes remain 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 situation
Choose the page that matches your situation, use the calculator to compare possible net proceeds, or call 888-274-5006.
Questions about the Sturgis process
Can I contact you before every property question is settled?
Yes. Start with the property address and what you know about its condition, access, occupancy, and timing. Tell us which details are still unclear; you can begin the conversation before every answer or document is ready.
Do you buy houses as-is in Sturgis and St. Joseph County?
USA Home Buyers buys houses as-is in the City of Sturgis and St. Joseph County, Michigan. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
How do the Cash Offer and EZ Sale compare?
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 mortgage payoffs?
If you choose to proceed, the title company checks ownership, the deed, who can sign, mortgage payoffs, liens, taxes, and the documents needed for settlement. Share the statements, notices, and estate papers you have so the relevant questions can be identified.
Which transfer taxes do you pay 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 remain separate.
Does a Sturgis mailing address show that a property is inside the City?
No. St. Joseph County lists Sturgis City and Sturgis Township separately. Confirm the municipality from the actual property record or official map; a mailing address alone does not establish the parcel boundary.
Talk through your Sturgis house
Call 888-274-5006 or use the form at the top of this page to start with the address, condition, occupancy, and timing. You can call before every detail is settled.