How Closing With a Cash Buyer Works

Step 1 — Offer and agreement

It starts with a conversation and a look at the property. We make a written, no-obligation cash offer. If you accept, we sign a simple purchase agreement that spells out the price, the closing date you choose, and that the home is sold as-is. There's no financing contingency, because we're not getting a loan.

Step 2 — Open escrow with a title company

The signed agreement goes to a neutral, licensed Florida title company or real estate attorney, who manages the closing. They hold any deposit in escrow and act as the impartial party that makes sure the money and the deed change hands correctly. You don't have to find them — we work with trusted local title companies on the Treasure Coast.

Step 3 — Title search and clearing

The title company runs a title search to confirm you're the legal owner and to surface anything recorded against the property — mortgages, liens, code violations, or unpaid taxes. This is normal and happens in every sale. Most of these get paid off from the sale proceeds at closing, so you usually don't pay them out of pocket beforehand. If there's a probate or heirship issue, this is when it gets coordinated with your attorney.

Step 4 — No appraisal, no inspection contingency

Because there's no lender, there's no appraisal to wait on and no lender-required repairs. We've already accounted for the home's condition in our offer, so there's no inspection-driven renegotiation. This is the main reason cash closings are fast and predictable.

Step 5 — Closing day and getting paid

At closing you sign the deed and a few documents — often at the title company, by mail, or electronically, which is handy if you're out of state. The title company records the deed, pays off any mortgage and liens, deducts agreed costs, and sends you your proceeds by wire or check. With us there's no agent commission, and we cover typical closing costs. Done — usually in about a week from start to finish, or on the later date you picked.

What it costs you

With a traditional sale you'd pay agent commission of 5 to 6 percent plus seller closing costs. With our cash purchase, there's no commission and we pay typical closing costs, so what you net is close to the offer itself. We'll give you a clear breakdown before you sign anything — no surprises at the table.