We Buy Houses in Union, KY. Skip the Showings and the Repair List

We pay the closing costs on a sale to us, except your share of any transfer tax, and the purchase agreement sets this out. Eagle does not charge you an agent commission on a direct sale to us. Your mortgage payoff and any liens, delinquent taxes, HOA or association balances, agreed prorations and other seller obligations are deducted from your proceeds when applicable. The closing professional provides a settlement statement showing the charges and credits before closing. Transfer, deed, conveyance or similar taxes vary by state and locality. For a sale in Union: 0.1% of value, placed on the seller by statute, subject to the purchase agreement.

Selling a property as-is does not automatically eliminate disclosure obligations under applicable federal, state or local law. Tell us what you know about the roof, plumbing, electrical system, foundation, environmental conditions and any past damage or repairs so we can evaluate the property accurately and address known issues in writing before you sign. A real estate attorney licensed in Kentucky can confirm which disclosures apply.

Often, yes. Delinquent property taxes and many recorded liens can be paid from the sale proceeds at closing, provided there is enough equity and the required payoff or release can be obtained. The title search or other closing review will identify items that must be paid, released or otherwise resolved. A disputed lien, an unavailable payoff or debts exceeding the available proceeds can delay or prevent closing unless the issue is resolved or the creditor agrees to another arrangement. Tell us what you know upfront so the closing professional can investigate it early.

It depends on how title was held and Kentucky law. Property held in the deceased owner's name alone may require probate or another estate procedure before anyone has authority to sign a deed. Property held in a trust or with survivorship rights may pass outside probate. A probate or estate attorney licensed in Kentucky should confirm who has authority and which procedure applies. We can evaluate the property and make an offer while that is being established, but we cannot close until someone has legal authority to sign.

A sale may help avoid a foreclosure sale if it closes in time and the proceeds are enough to satisfy the required payoff, or if the lender gives written approval to accept less. In Kentucky, a foreclosure generally goes through the court. We cannot promise to stop or postpone a foreclosure; that depends on the lender or servicer, the court, the timing and whether the transaction closes. Contact us as early as possible and bring every notice you have so we can tell you whether our expected timeline appears workable. A HUD-approved housing counselor or an attorney licensed in Kentucky can explain your legal options and deadlines. At Eagle, we can help only if there are at least 3 weeks before the auction date and you can send paperwork quickly and help the title company close fast. Our Kentucky page explains how the foreclosure process generally works in the state.

Eagle may purchase the property itself or, if the purchase agreement permits, assign its contractual rights to another investor or purchasing entity. Any assignment right is stated in the agreement before you sign. The agreement also states the price, closing date or timeline, contingencies and other material terms. The closing is handled by the title company, escrow holder, settlement agent or closing attorney used for the transaction.

We buy mobile homes only when they are sold together with the land they sit on. If you own the home and the land under it, send the address and we will tell you whether we can make an offer.

We cannot name a reliable worst month for Union, and we would not guess. Listings tend to move at different speeds through the year. A cash sale does not depend on the season, because we are not waiting for a buyer to get a mortgage.

Clear out what you can, fix anything that would scare off a lender's appraisal and price near what similar houses nearby have sold for. If you would rather skip all that, a cash offer removes showings and the lender step. We can usually tell you within one business day whether we can make an offer.

Agent commission is usually 5% to 6%, which on $400,000 would be $20,000 to $24,000, before any repairs or buyer requests. A direct sale to Eagle has no agent commission. Your own costs depend on the sale, so check the figures on your closing paperwork.

No. Eagle works in 43 states and has no office in Union. We work with a licensed title or escrow company, or a closing attorney, depending on the state, who handles the closing paperwork near you.

Usually yes. Much of the process can happen by phone, email and mail, and the signing can often be arranged near where you live. Tell us early that you are out of state and we will plan around it.

It is a basic call. We ask about the property, its condition and your situation. There is no offer on the spot and no paperwork. The owner of the house takes part in the conversation before anything moves forward.

It can. Dues, special assessments or community rules may need to be paid or confirmed at closing, and the closing office can request the details from the association. Tell us what you know about dues and any unpaid balance when you contact us.

No. Many homes in the area carry a Union mailing address while sitting outside the city, for example in Triple Crown. Send the address and we will tell you whether we can make an offer.

Often, yes. A lease generally passes to the buyer at closing and what that means depends on the lease terms. Send us the lease details and the monthly rent, and say whether the tenants plan to stay.

We can buy a house in any condition when the numbers work. You do not have to fix the roof, the HVAC or the kitchen first. If the repairs are too large for the numbers to work, we will tell you.

No agent commission applies on a direct sale to Eagle. You still owe the mortgage payoff, back taxes and any other debts on the house, which are paid from the proceeds at closing.

Most sales close in 21 to 42 days, or later if you need more time. You pick the date. The written offer usually comes within one business day, and weekends are not counted.

No. This page is about the city of Union in Boone County, ZIP code 41091, near Florence and Burlington. If your house is in Union County, send the address and we will check whether we can make an offer there.