How Selling Your House to Liberty Homes Works

Step 1: Tell us about the house

It starts with basic questions: the address, the general condition, your situation and your timeline. You can do that through the form or on the phone — the form takes about a minute and asks four things.

In the first 24 hours we pull the property record, look at what comparable houses in your neighbourhood have actually sold for, and call you to arrange a walkthrough. If what you describe sounds like a house that would do better on the open market, we say so on that call. An honest buyer tells you when listing would net you more; treat the absence of that honesty as information.

Nothing at this stage costs anything or commits you to anything, and nobody should be pressuring you to lock in a number before seeing the house.

Step 2: Your written offer

The walkthrough takes 30 to 60 minutes. It is not a showing — do not clean for it. We are pricing the roof, the mechanicals, the foundation, the kitchen and baths and the general scope of work, so that the offer is a real number rather than a placeholder that shrinks later.

Within 24 to 48 hours you get the offer in writing, and you are entitled to see how it was built: the comparable sales, the itemised repair estimate, and every cost subtracted along the way. We publish the whole formula, because a number you can check is worth more than a number you are asked to trust.

Our offer does not get re-traded. Some operators make a high offer sight-unseen and cut it dramatically after an "inspection", once you are emotionally committed. We price at the walkthrough and hold the number. The purchase agreement itself is short: read it for the price, for who pays closing costs, and for any contingencies — fewer contingencies means more certainty for you.

Step 3: Title, paperwork, and closing

Between signing and closing, the attorneys and the title company do the invisible work. In Monroe County that means an abstract of title brought down to date, municipal searches, and payoff letters ordered from your lender and from anyone else with a claim on the property.

You do not need to pay off your mortgage in advance. It is settled from the proceeds at the table, along with any tax balances, judgments or old liens the search turns up. Everyone learns exactly what has to be paid before closing day, which is precisely the point — it protects you as much as it protects us.

Closing day is signatures: the deed, the transfer tax forms, and a settlement statement showing every dollar in and out. It is often under an hour. Funds go out by wire that day or the next business day.

How long it takes

For a straightforward Rochester property with clean title, three to four weeks from accepted offer to funds is the honest average. Two weeks is the best case, not the promise. Here is what each timeline actually requires.

Five things genuinely slow a cash sale: probate that has not started, liens nobody knew about, a co-owner who still has to sign, a mortgage servicer that takes two weeks to produce a payoff letter, and your own preference. That last one is a feature — plenty of sellers want six weeks to sort belongings or line up the next place. The speed is available, not mandatory.

If speed matters to you, do two things the day you accept any offer: tell the buyer about every mortgage and lien you know of, and dig out a recent mortgage statement. That removes the single most common week of delay.

What you need to bring

• A copy of the deed if you have one — we can pull it from county records if you do not.
• Photo ID for everyone on the deed.
• Your most recent mortgage statement, plus any lien or tax notices you have received.
• If the owner has died: the death certificate and, once issued, the letters from Surrogate's Court.
• Keys, and the garage and shed codes. Nothing else — you can leave what you do not want.

Who you will actually deal with

Liberty Homes is a small, family-run company. The person who walks your house is the person who prices it and the person who shows up at closing — you are not handed between a call centre, an acquisitions rep and a transaction coordinator.

Closings are handled by an attorney and a title company, which is standard practice for residential sales in New York. You are welcome to use your own attorney; most sellers do, and the cost is modest relative to the transaction.

Questions