How Cash Home Buyers WorkBuffalo NY

Step 1: Contact — Call (716) 557-7005 or submit your address online. Step 2: Walkthrough — We schedule an in-person assessment. 20–30 minutes. Step 3: Written Offer — Presented same or next day. No obligation. Step 4: Acceptance — We open title at a licensed Erie County title company. Step 5: Title Search — 5–7 days for the title company to research liens, taxes, and ownership. Step 6: Closing — You sign the deed at the title company. Cash via wire or check. Done.

NCB pays cash — our own funds, not a mortgage or hard money loan. No lender underwriting, no bank appraisal, no financing contingency. We don’t need a bank’s approval to buy your home.

Because WNY housing stock requires an in-person assessment. A pre-war East Side two-family, a postwar Cheektowaga ranch, and a vinyl-clad Cape in West Seneca look similar in photos but have completely different condition profiles. We assess foundation, structure, systems, roof, and any damage in person. That’s the only way to make an offer we can stand behind.

The Erie County title company performs a title search — confirming ownership and identifying any liens, unpaid taxes, mortgages, or other encumbrances. They prepare the deed, facilitate signing, collect and disburse funds, and issue title insurance. Every NCB purchase closes through a licensed title company.

They’re paid at closing from the sale proceeds. The title company calculates total payoffs — mortgage balance, back taxes, judgment liens, municipal liens — and subtracts them from NCB’s purchase price. You receive the remainder. You don’t resolve liens before the sale — they’re handled at the table.

Traditional sale: list with agent → showings → offers → inspection → appraisal → lender underwriting → closing. Timeline: 60–120 days. Costs: 5–6% agent commission, repair requests, possible renegotiation. Cash sale with NCB: walkthrough → offer → title → closing. Timeline: 7–14 days. Costs: none to seller.

NCB renovates and resells, holds as rental properties, or redevelops — depending on the property’s condition, location, and best use. We’re long-term participants in the WNY real estate market. Properties we buy — vacant, damaged, or distressed — get put back into productive use.