Wilmington, NC · New Hanover County · How the process works

How Selling Your Wilmington House to Us Works

USA Home Buyers buys houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us — in Wilmington and New Hanover County. You can start the conversation before every property question is settled.

Call 888-274-5006 to talk through the house, even if some details are still open.

Tell us about the house

1. Tell us about the house

Start with the address, condition, who lives there, access, and the timing you have in mind. If an estate, payoff, lien, tax notice, or deadline is part of the situation, tell us what you know. You do not need every answer before the first conversation.

We'll give you a written cash offer within 24 hours.

We give written cash offers in 24 hours.

Share the address and what you know about the house; open questions can be discussed as you go.

2. The sale, step by step

Talk through the property
We ask about the house as it stands, including condition, occupancy, access, ownership, and your timing. You can begin with what you know; you do not have to settle every property question first.
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 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. Bring the statements or notices you have, and raise anything that is still unclear.
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.

3. Two ways to sell

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 might keep after editable costs with the Wilmington home-sale net-proceeds calculator. Its figures are estimates you can adjust.

4. A North Carolina closing detail

North Carolina charges an excise tax on conveyances when a deed transfers real estate. The rate is $1 for each $500 of the price or value, and any part of $500 counts as a full $500. By law, the seller pays it to the county register of deeds before the deed is recorded. The amount depends on the price or value used for the transfer. North Carolina excise tax statute, G.S. 105-228.30 ↗

5. Check the closing numbers

The settlement sheet lays out the sale price, payoffs, liens, taxes, other listed costs, and the amount scheduled to be paid to you. Ask the title company 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.

When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate.

6. When the process gets difficult

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

5.0 out of 5 on Google

7. Questions and contact

Questions about the Wilmington selling process

Can I start before every property question is settled?

Yes. Start with the Wilmington address and what you know about the house, such as its condition, who lives there, access, and timing. You can raise ownership, payoff, lien, tax, or estate questions as they become clear.

Do I need 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, title, 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.

Who pays North Carolina excise tax on a sale to USA Home Buyers?

North Carolina charges an excise tax on conveyances when a deed transfers real estate. The rate is $1 for each $500 of the price or value, and any part of $500 counts as a full $500. By law, the seller pays it to the county register of deeds before the deed is recorded. When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate.

What will I see on the settlement sheet?

It shows how the sale money breaks down, including the price, payoffs, liens, taxes, costs, and the amount scheduled to be paid to you. 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.

Guidance for a particular situation

Want to talk before you have every answer? Call 888-274-5006 or start with the property details above.

Wilmington home-selling overview · Wilmington seller questions

Start with what you know

Call 888-274-5006 to talk through the address, condition, occupancy, or timing. You can start before every property question is settled.

Start the property conversation