Tell us about the property and we’ll come back with your options — usually within 24 hours. No commissions, no repairs, nothing to clean out.
Step 1 of 3 · About a minute · No obligation
Most buyers have one way to buy, so they have one number for you. We work with more than one purchase strategy, which means we can often help with houses and timelines other buyers turn down.
Sometimes that means a straight cash purchase. Sometimes terms work out better for you. And if listing the house would put more money in your pocket, we’ll tell you that too.
Submit the address, receive a written offer within 24 hours, and choose a closing date as soon as 7 days out. No showings, no repairs, no agent involved at any stage.
Tell us a little about your property. One of our Chattanooga-area home buying specialists will review your details and prepare your offer — no showings, no cleaning, no prep work required.
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Receive a fair, no-obligation all-cash offer with zero fees or commissions. There's no financing fall-through risk — so you can confidently plan your next move.
Close on your timeline — as fast as 7 days or whenever works for you. We handle all the paperwork. Cash in your pocket so you can move on to the next chapter of your life.
Close before the bank does — protect your credit and get a fresh start.
Inherited a home you don't want? We buy as-is, even in probate.
Split the asset quickly and cleanly so both parties can move forward.
Fire damage, mold, structural issues — we buy it as-is, no exceptions.
Problem tenants? We buy with tenants in place. No evictions needed.
Job change? We close on your schedule so you avoid two mortgages.
Side-by-side comparison of timeline, commissions, transfer taxes, repair exposure and closing risk for the three ways to sell a house in the Chattanooga area.
| Factor | Seller's Choice (direct cash sale) | Traditional the Chattanooga area agent listing | National iBuyer / online offer platform |
|---|---|---|---|
| Time to receive an offer | Within 24 hours | 14–60 days on market before an accepted offer | 24–72 hours (algorithmic, often revised after inspection) |
| Time to close | 7–14 days, seller picks the date | 60–90+ days from listing to closing | 14–45 days, platform picks the window |
| Agent commission | $0 | 5%–6% of sale price ($17,500–$21,000 on a $350,000 home) | 5%–8% service fee |
| Seller-paid closing costs | $0 — buyer pays | Transfer taxes, attorney and recording fees | Transfer taxes plus platform closing fees |
| Repairs and inspection credits | None — purchased as-is | Pre-listing repairs plus post-inspection credits, commonly $5,000–$25,000 | Repair deductions withheld from the initial offer after walkthrough |
| Cleanout / personal property | Leave anything behind | Full cleanout and staging expected | Broom-clean condition required |
| Showings and open houses | None | Ongoing showings for the full listing period | None, but a third-party inspection is required |
| Financing fall-through risk | None — no lender, no appraisal contingency | Buyer mortgage denial and low appraisals routinely reset the deal | Low, but offers can be retracted or renegotiated |
| Accepts distressed condition | Yes — fire, mold, structural, hoarding, code violations, failed septic | Limited — FHA/VA/conventional buyers require habitability | No — most platforms decline pre-1930 stock and major defects |
| Buys with tenants in place | Yes, including non-paying tenants and pending evictions | Rarely — most retail buyers require vacancy | No |
| Works around a foreclosure sale date | Yes — closings scheduled to beat a foreclosure sale date | Timeline often runs past the foreclosure sale date | No accommodation for court deadlines |
| Gross price achieved | Below full retail — the buyer absorbs repair, carrying and resale risk | Highest gross price when the house is market-ready | Near-retail initial estimate, reduced after inspection |
| Gross price and net proceeds are different numbers. A market-ready Chattanooga-area home in good condition will usually net more through a traditional listing. A cash sale generally nets more when the property needs significant work, when the seller cannot fund repairs or carrying costs, or when a court or relocation deadline makes a 60–90 day timeline unworkable. | |||
| Line item | Direct cash sale | Listed with a the Chattanooga area agent, sold as-is |
|---|---|---|
| Contract price | $272,000 | $290,000 |
| Agent commission (5.5%) | $0 | −$15,950 |
| Seller closing costs and transfer taxes | $0 | Varies |
| Pre-listing cleanout, repairs and inspection credits | $0 | −$8,000 |
| Carrying costs while on market (mortgage, taxes, insurance, utilities) | −$800 (10 days) | −$7,200 (90 days at approx. $2,400/mo) |
| Estimated net to seller | ≈ $271,200 | ≈ $254,500 |
| Days to cash in hand | 10 days | 90–120 days |
| Risk of the deal collapsing | None — no financing contingency | Buyer financing denial, appraisal gap, inspection renegotiation |
| Illustrative scenario only, not a quote or a guarantee. Actual figures depend on condition, location, liens, mortgage balance and current market conditions. Every offer from Seller's Choice is written, itemized and free to request. | ||
Direct answers on timelines, costs, foreclosure deadlines, probate, tenants and liens.
Seller's Choice buys residential property across the Chattanooga area, from Hamilton and Bradley counties in Tennessee down into Catoosa, Walker and Dade counties in North Georgia. Below are the counties and the cities and towns where we most frequently close.
Chattanooga, East Ridge, Red Bank, Soddy-Daisy, Signal Mountain, Collegedale, Lakesite, Walden, Lookout Mountain, Ridgeside.
Cleveland, Charleston, Hopewell, Wildwood, Blue Springs.
Jasper, South Pittsburg, Kimball, Whitwell, New Hope, Powells Crossroads, Orme.
Ringgold, Fort Oglethorpe, Graysville, Tunnel Hill.
Dunlap, Lone Oak, Coops Creek.
LaFayette, Rossville, Chickamauga, Fairview, Flintstone, Lookout Mountain.
Trenton, Rising Fawn, New England, Sulphur Springs.
Hixson, Ooltewah, Harrison, Sale Creek, Middle Valley, Apison.
Enter your the Chattanooga area property address and receive a written, itemized cash offer within 24 hours. Free, no obligation, and no effect on any other option you are weighing.
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