We buy houses in New York City, NY
— cash offers and creative solutions
Close With Creative buys houses throughout the New York-Newark-Jersey City area. Tell us about your New York City property and within 24 hours you get every structure it qualifies for: a cash offer at 70-80% of market value closing in 7-14 days, creative financing at 90-110% of market value closing in 30-60 days, a novation at 85-95% of final sale price closing in 45-90 days, or a wholesale offer at 65-75% of market value closing in 14-30 days. You make no repairs, pay no agent commission, and pay no closing costs. You pick which path and which date.
To sell a house fast in New York City, NY: request an offer from Close With Creative, receive all four structures within 24 hours, and close on your chosen date. Cash closes in 7-14 days; creative financing pays 90-110% of market value over 30-60 days. There is no fee to the seller on any path.
Whatever you are facing, there is a path
Life rarely sells a home on schedule. These are the situations we are asked about most, and what each one actually changes about your options.
Four ways to sell in New York City
Most home-buying companies give you one number. We price your property against all four structures and show you every outcome side by side, so the choice is yours.
Three steps to sell your New York City home
- 1
Tell us about the property
A three-minute form or a phone call. We ask what the New York City property is, what condition it is in, and what you are trying to achieve. No obligation and no cost.
- 2
Get every structure it qualifies for, within 24 hours
Not one number. We price the property against all four structures and show you what each one pays and how long each one takes, side by side.
- 3
Pick the path and the closing date
You choose. We handle title, the paperwork and the closing costs, and you pick the date that works.
What NY sellers say
Real results from New York City-area homeowners
“I was 5 months behind on my mortgage and Wells Fargo was sending scary letters every week. Close With Creative called me back within 4 hours, explained my options clearly, and we closed in 11 days. They literally saved my house from foreclosure.”
Margaret A.
New York-Newark-Jersey City, NY
“Transferred from New York-Newark-Jersey City to Phoenix in two weeks. Listed with an agent who got zero showings in 10 days. Called Close With Creative on a Friday, had an offer Monday, closed the following week. Should have called them first.”
Kevin L.
New York-Newark-Jersey City, NY
“Needed to sell our New York-Newark-Jersey City home in under 30 days for a military PCS order. They understood the urgency, skipped the usual back-and-forth, and got us to closing in 11 days. Highly recommend to any military family.”
Amy C.
New York-Newark-Jersey City, NY
“My father passed and left me her house in Utica-Rome. It needed everything — foundation issues and water damage. I live three states away and couldn't deal with contractors. They bought it as-is and I had a check in 22 days. The wholesale option got me $31K more than the cash offer.”
Linda B.
Utica-Rome, NY
“Going through a divorce in Buffalo-Cheektowaga is expensive enough without paying 6% realtor commissions. Close With Creative gave us a fair cash offer, handled everything through the attorney, and both parties walked away satisfied. Professional and discreet.”
David C.
Buffalo-Cheektowaga, NY
“I had a duplex in Albany-Schenectady-Troy with tenants who hadn't paid rent in 2 months. Every cash buyer I called gave me a lowball number. These guys presented four different options — I picked creative financing and got $35K more than the next best offer.”
Sandra D.
Albany-Schenectady-Troy, NY
What every New York City homeowner should know before selling
These are New York rules, and they apply to your sale wherever in the state the property sits. We handle each of them at our cost.
⚖️ Attorney-Closing State
New York is an attorney-closing state - attorneys represent both buyer and seller. We coordinate all closing logistics at zero cost to you NY Dept of State Real Estate .
NY Dept of State Real Estate🏛️ Judicial Foreclosure
New York uses judicial foreclosure through Supreme Court, one of the slowest in the nation at 12-36 months NY Courts .
NY Courts💰 Transfer Tax Savings
New York charges a state transfer tax of $2 per $500 (0.4%). In NYC, sellers also pay a city transfer tax of 1-2.625%. We cover all transfer taxes NY Dept of Taxation .
NY Dept of Taxation📊 New York Market Snapshot
Median home price: ~$420,000 (up 4.5% year-over-year). Median days on market: 55. 40% of homes sell above list price. Our guaranteed, no-contingency offers eliminate market uncertainty NY Association of Realtors .
NY Association of Realtors🗺️ We Know New York
From the skyscrapers of Manhattan to the vineyards of the Finger Lakes, from Niagara Falls to the Adirondack wilderness. Whether eating a slice on every corner, hiking in the Catskills, or exploring the Hudson Valley farm-to-table scene - we buy houses in every corner of New York.
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Selling a house in New York City, NY — common questions
Do you buy houses anywhere in the New York City area?
Yes. We buy throughout the New York-Newark-Jersey City area and across New York, in any condition and any price band. If the property is outside that metro but still in New York, we still buy it.
How fast can I get an offer on my New York City home?
Within 24 hours of telling us about the property. That covers all four structures, not just a cash number. Cash and wholesale close in 7-14 days and 14-30 days; creative finance and novation take longer because they pay more.
How fast can I sell my house in New York?
Close With Creative provides a competitive cash or creative financing offer within 24 hours of evaluating your New York property. If you accept, we can close in as little as 7 to 14 days, or on whichever date fits your timeline. New York is an attorney-closing state — attorneys represent both buyer and seller.
Do I need to make repairs before selling my New York home?
No. We buy all New York properties completely as-is. You do not need to clean, paint, repair the roof, fix the foundation, or address code violations. We handle all maintenance and renovation after closing.
Are there any fees or commissions when selling to Close With Creative in New York?
Zero. No agent commissions, no listing fees, no closing costs. New York charges a state transfer tax of $2 per $500 (0.4%). In NYC, sellers also pay a city transfer tax of 1-2.625%. We cover all transfer taxes. The offer you accept is exactly what you receive at closing.
What types of properties does Close With Creative buy in New York?
We purchase single-family homes, townhouses, condos, duplexes, multi-family properties, mobile homes, vacant land, and commercial properties throughout New York. Any condition — fire damage, water damage, outdated, code violations, or perfectly maintained.
How does New York's foreclosure process work?
New York uses judicial foreclosure through Supreme Court, one of the slowest in the nation at 12-36 months. Selling to Close With Creative before foreclosure completes protects your credit and preserves your equity.
What is the difference between a cash offer and creative financing in New York?
A cash offer means we pay the full price at closing using our own funds, typically within 7 to 14 days. Creative financing structures the purchase over time, often resulting in a higher total payout — sometimes 90% to 110% of market value. We present both options along with novation and wholesale paths so New York sellers can choose the best fit.
Can I sell my New York house if I still have a mortgage?
Yes. Most New York homeowners who sell to us still carry a mortgage. At closing, your existing mortgage is paid off from the sale proceeds through the attorney. If you owe more than your home is worth, we may still have creative solutions available.
How do transfer taxes or closing costs work in New York?
New York charges a state transfer tax of $2 per $500 (0.4%). In NYC, sellers also pay a city transfer tax of 1-2.625%. We cover all transfer taxes.
What New York cities and areas do you serve?
We buy properties across all of New York's major markets. From the skyscrapers of Manhattan to the vineyards of the Finger Lakes, from Niagara Falls to the Adirondack wilderness. If it's in New York, we'll make an offer.
How do you determine the offer price for my New York property?
We analyze recent comparable sales, current market conditions, property condition, and repair estimates. New York's median home price is approximately $420,000 with homes selling in about 55 days on market. Our valuation process is fully transparent — we share the data behind every offer.
Get your free offer options in New York City today
Tell us about the property and we will come back within 24 hours with every structure it qualifies for. No fee, no obligation, and you pick the closing date.