How Much Do Cash Home Buyers Pay? Your Questions Answered

How does your process work?

Three steps:

1. Contact us with your property information
2. Review a written offer after Roger looks at the property, ownership, condition, and timing
3. Close at a title company once the title, payoff, and approval work is done

No repairs and no showings. See the full process.

How fast can you close?

Closing time depends on ownership, title, payoff letters, liens, court orders, and other required approvals. Tell us about any deadline immediately; a closing date is set only after the title team confirms what is required.

Is your cash offer negotiable?

Ask Roger to explain the relevant nearby sales, property condition, expected work and risk, and title information used for the written offer. You may discuss any incorrect assumption before deciding.

What happens after I accept?

The transaction opens with a title company. It verifies ownership, searches title, obtains payoffs, prepares the settlement statement, and coordinates signing after required issues and approvals are resolved.

How much do cash home buyers pay?

There's no fixed percentage. Roger starts with recent nearby sales, then subtracts the repairs the house needs, the cost of holding and reselling it, and the risk in the title and the sale. The number goes in writing. Ask him to walk through the assumptions, then compare the written offer with a broker's price opinion and the likely listing costs. Compare a cash sale with a listing.

Do cash buyers pay closing costs? Are there any fees or commissions?

We don't charge a company fee or agent commission. The written offer states which closing costs the buyer pays, and the settlement statement shows the purchase price, payoffs, prorations, and your estimated net before you sign. What can reduce your proceeds: the mortgage payoff, liens, back taxes, prorated property taxes, and any settlement items the contract assigns to you.

Is selling to a cash home buyer a scam?

Some are. Before you sign with anyone, check for a written purchase agreement, a closing through a licensed title company, a settlement statement before signing, and a straight answer to who is funding the purchase. Never sign a deed outside a closing, and never pay a buyer a fee up front. Roger Choate is the buyer, the closing runs through a title company, and you can have your own attorney read the contract first.

Can you help with liens or judgments?

Give known liens, judgments, and tax notices to the title company. It determines the valid payoff and whether the purchase price and other funds can satisfy the amounts required for closing.

Do I need to make repairs?

No. Roger reviews houses as-is, in any condition: roof damage, foundation issues, mold, fire damage, hoarding. You don't need to clean, paint, or fix anything. The work gets priced into the offer, and the contract states the agreed condition and anything you're leaving behind.

What types of properties do you buy?

Mostly houses in Southern Indiana and the Louisville area. Other residential property, land, or commercial buildings are reviewed by address and property type before Roger says yes. See the situations Roger handles.

What if I'm behind on payments?

A completed sale with lender payoff before the applicable sale deadline may prevent an additional foreclosure event, but it cannot guarantee credit outcomes. Contact your servicer, an attorney, or a HUD-approved housing counselor immediately. Selling a house in foreclosure in Indiana or in Kentucky.

Can I sell during a divorce?

A sale generally needs every required owner's signature and must comply with court orders and the spouses' written agreement. The title company follows the authorized settlement instructions; a buyer cannot decide how marital proceeds are divided. Selling a house during divorce.

What about inherited properties?

Roger can review an inherited property as-is and prepare a written offer for the authorized signer, estate lawyer, title company, heirs, or court to evaluate. The deed, will or trust, court appointment, ownership, liens, and required approvals control who may sell. How to sell an inherited house.

What areas do you serve?

Our core area is Clark, Floyd, Harrison, Scott, and Washington counties in Southern Indiana, plus Jefferson, Bullitt, Oldham, Shelby, Hardin, and Nelson counties around Louisville. Properties outside the core are reviewed by address before coverage is promised. Start with we buy houses in Louisville, KY or we buy houses in Jeffersonville, IN, or see every area.

How long does Indiana foreclosure take?

Indiana uses judicial foreclosure, but there is no reliable one-size-fits-all month count. The summons, docket, judgment, and sheriff-sale notice control the dates in a particular case. Contact the servicer, an Indiana foreclosure attorney, or a HUD-approved counselor immediately. How foreclosure works in Indiana and Kentucky.

Can I still sell if the sheriff sale is scheduled?

A sale may still be possible, but title work, lender payoff, court orders, and the scheduled sale create hard deadlines. Contact the servicer, a foreclosure attorney, or a HUD-approved housing counselor immediately; do not rely on a promised closing date. Options before a sheriff or commissioner sale.