Expert answers from Michigan's trusted cash home buyers. Questions? Call (269) 389-9961 anytime.
First steps: get a market valuation (agent CMA, appraisal, or cash buyer assessment), request a payoff statement from your lender, review HOA status (if applicable), check for outstanding code violations or unpaid taxes, complete the Seller Disclosure Statement (Form 765), and gather all documentation (survey, permits, warranty info).
Ideal prep time: 30-60 days before listing for a traditional sale. If you're doing repairs or updates, add time accordingly. For a cash sale, preparation time is minimal — we've purchased homes with 24 hours notice. The closer you are to needing to sell, the more a cash buyer makes sense.
Michigan Form 765 covers: structural issues, water intrusion, roof condition, electrical and plumbing systems, HVAC, environmental hazards (mold, asbestos, lead paint, underground tanks), zoning violations, HOA status, flooding/drainage issues, and any other known material defects. When in doubt, disclose — the cost of concealment far exceeds the cost of transparency.
Closing typically happens at the title company. You'll sign: the deed, transfer tax forms, seller's closing disclosure, and any other required documents. You'll receive your net proceeds (sale price minus mortgage payoff, taxes, commissions/fees, closing costs) via wire transfer or check, usually same day.
Post-sale to-do list: cancel homeowner's insurance (effective closing date), forward mail, update address with USPS, IRS, Michigan Secretary of State (voter registration and driver's license), bank, employer, and medical providers. Keep closing documents for tax purposes. If you used the home as a rental, file final Michigan income tax schedule for rental income.
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