Sell Your Chalmette Home As-Is - Flood Damage, Succession, or Any Condition

Local Process - Real Answers

Questions About Selling in St. Bernard Parish

These are the questions Chalmette sellers actually ask us. If you don't see yours here, check out our answers to common seller questions or call us directly.

• Do you buy houses in Versailles, Faust, Andrew Jackson, or Chalmette Vista?

  Yes - we buy in all Chalmette neighborhoods, including Versailles, Faust, Andrew Jackson, and Chalmette Vista. We cover the full 70043 ZIP code and the surrounding areas of Arabi, Meraux, and Violet as well. If your home is in St. Bernard Parish, we want to hear from you.

• How does the Act of Sale work in Louisiana, and do I need to find a notary?

  Louisiana closings are handled through an Act of Sale signed before a licensed notary - not a title company or closing attorney like in most other states. The notary prepares the deed, confirms the legal description, and records the transfer with the parish.

  You don't need to find one yourself. We coordinate directly with a Louisiana notary on your behalf. You show up, sign, and receive your funds. That's it.

• The house is in succession. Can you still buy it?

  Yes, and this is one of the most common situations we see in Chalmette. Louisiana uses succession - not probate - to transfer inherited property, and clear title must be established before the home can legally sell.

  We work directly with succession attorneys to move the process along. Depending on how far along the succession is, we can sometimes close faster than a traditional listing would allow. If you're in the middle of succession and aren't sure what's possible, call us and we'll walk through it with you.

• How do you calculate my cash offer?

  Your offer is based on three things: the after-repair value (what the home would sell for once fully updated), the estimated cost of repairs and updates needed, and our holding and closing costs while we carry the property.

  We subtract those costs from the after-repair value to arrive at a number that's fair for both sides. For a home in Chalmette with flood history or storm damage, repair cost estimates carry more weight - which is why we walk through the property before making an offer rather than quoting a number blindly over the phone.

• How long does closing take in Louisiana?

  Once we agree on a price and there are no title complications, we can typically close in 14 to 21 days. If succession needs to be resolved first, the timeline depends on how quickly the succession attorney can establish clear title - but we stay in contact with them to move things forward.

  Compare that to the Chalmette average of 105 days on market before an offer even arrives - and then another 30 to 45 days to close with a financed buyer. A cash sale cuts that down significantly.

• What happens to my existing mortgage or liens at closing?

  Any outstanding mortgage balance, property tax liens, or other liens on the title get paid off directly from the sale proceeds at closing. The notary handles the payoff coordination. You receive whatever is left after those balances are cleared - no separate steps required on your end.

• My house has flood damage and I'm not sure about the elevation certificate. Is that a problem?

  Not for us. Many homes in Chalmette have complicated flood histories going back to Katrina and subsequent storms. We're familiar with FEMA flood zone designations in St. Bernard Parish, elevated flood insurance costs, and what it means when a home doesn't have a current elevation certificate.

  We buy flood-damaged homes as-is. You don't need to repair anything, update the elevation certificate, or resolve the flood insurance situation before selling. We handle the due diligence on our end.

• Both my spouse and I are on the title. Do we both have to sign?

  Yes. Louisiana is a community property state, which means both spouses must sign the Act of Sale when selling jointly owned property. This applies even if only one name is on the deed in some cases. The notary will confirm what signatures are required for your specific title. It's not a barrier - just something to plan for so there are no surprises at closing.

• What's the difference between a local cash buyer like you and a national iBuyer?

  National iBuyers use automated valuation models and typically only buy move-in ready homes in predictable markets. They don't buy flood-damaged homes, succession properties, or houses with deferred maintenance - which describes a significant portion of the Chalmette market.

  We're local. We know St. Bernard Parish, we understand Louisiana succession law, and we've worked through the Act of Sale process many times. We can buy properties that iBuyers won't touch, and we're not going to pull your offer two days before closing because an algorithm flagged your flood zone designation.

• I have a tenant in the house. Can you still make an offer?

  Yes. We buy tenant-occupied properties. We'll review the lease situation during our due diligence period and handle the transition after closing. You don't need to evict anyone or wait for a lease to expire before getting your offer.