We buy houses in Memphis, TN
— cash offers and creative solutions
Close With Creative buys houses throughout the Memphis area. Tell us about your Memphis 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 Memphis, TN: 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.
Memphis: two property tax bills, three recording offices and the condemnation process
Shelby County's Register of Deeds records the deed, and it has three public offices. The main one is at 1075 Mullins Station, Building W3, Suite W165. The others are downtown at 157 Poplar Avenue, Room 124, and in Whitehaven at 1254 East Shelby Drive, Suite 1267. Hours are weekdays 8 a.m. to 4:15 p.m. The office wants the original signed and notarized document, records it in about one business day and mails it back. It records documents but cannot advise on preparing them. Its fee page lists $12 for a deed's first two pages and $5 for each page after that.
The county bill
The Shelby County Trustee says county taxes are due the first Monday of October and can be paid through the last day of February. On March 1 the unpaid balance picks up 1.5 percent interest, and another 1.5 percent is added on the first of each later month. Mailed payments must be postmarked by the last day of February. The Trustee also warns that taxes delinquent a year or more may carry lawsuit charges and legal fees, and that a tax lien comes off only when the balance is paid in full. The mailing address is P.O. Box 2751, Memphis 38101.
The city bill
A house inside Memphis carries a second bill. The City Council sets the rate, billing usually follows in mid to late June, and the city page says the balance is delinquent after August 31 at 1.5 percent a month. The City Treasury collects it. The Shelby County Assessor supplies the values the city uses. The city's tax page also notes that charges for weed cutting, demolition, board-up and anti-neglect work can show up on a tax bill.
Code Enforcement and condemnation
Code Enforcement works out of the Division of Community Enhancement, 4225 Riverdale Road, at 901-636-7464. For a dangerous structure, condemnation begins with a title search, and the parties are told what repair or demolition is required. If the order is ignored, a hearing is held before the Condemnation Review Officer, and an owner can ask for more time to repair. After condemnation the owner has 30 calendar days to demolish before the city does it, and the city assesses the cost against the property's taxes. Ordinance 5708, Section 104.7 sets up a lien waiver hearing, which the Division of Community Enhancement can explain.
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 Memphis
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 Memphis home
- 1
Tell us about the property
A three-minute form or a phone call. We ask what the Memphis 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 TN sellers say
Real results from Memphis-area homeowners
“Fire damage to my Memphis home made it impossible to sell traditionally. Insurance barely covered the repairs. They evaluated the property, presented a fair cash offer within 24 hours, and closed before my temporary housing ran out.”
Michael J.
Memphis, TN
“My Memphis property had code violations I couldn't afford to fix. The city was threatening fines. Close With Creative bought it in 12 days, took on every violation, and I walked away clean.”
Nancy M.
Memphis, TN
“I was 2 months behind on my mortgage and the bank was sending scary letters every week. Close With Creative called me back within 3 hours, explained my options clearly, and we closed in 11 days. They literally saved my house from foreclosure.”
Margaret A.
Johnson City, TN
“My uncle passed and left me her house in Clarksville. It needed everything — structural damage and code violations. I live 1,200 miles away and couldn't deal with contractors. They bought it as-is and I had a check in 11 days. The novation option got me $31K more than the cash offer.”
Linda B.
Clarksville, TN
“Going through a divorce in Chattanooga 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.
Chattanooga, TN
“I had a triplex in Morristown with tenants who hadn't paid rent in 3 months. Every cash buyer I called gave me a lowball number. These guys presented four different options — I picked wholesale and got $25K more than the next best offer.”
Sandra D.
Morristown, TN
What every Memphis homeowner should know before selling
These are Tennessee rules, and they apply to your sale wherever in the state the property sits. We handle each of them at our cost.
⚖️ Title Company Or Attorney-Closing State
Tennessee closings can be handled by title companies or attorneys. We coordinate all closing logistics at zero cost to you TN Real Estate Commission .
TN Real Estate Commission🏛️ Non-Judicial Foreclosure
Tennessee uses non-judicial foreclosure through power of sale, typically completing in about 60 days TN Courts .
TN Courts💰 Transfer Tax Savings
Tennessee charges a state transfer tax of $0.37 per $100 of value. We cover all transfer taxes and closing costs TN Dept of Revenue .
TN Dept of Revenue📊 Tennessee Market Snapshot
Median home price: ~$340,000 (up 4.8% year-over-year). Median days on market: 40. 45% of homes sell above list price. Our guaranteed, no-contingency offers eliminate market uncertainty TN Association of Realtors .
TN Association of Realtors🗺️ We Know Tennessee
From the honky-tonks of Broadway in Nashville to Beale Street in Memphis, from the Great Smoky Mountains to Dollywood in Pigeon Forge. Whether eating hot chicken in Nashville, catching blues on Beale Street, or hiking in the Smokies - we buy houses in every corner of Tennessee.
Selling a house in Memphis, TN — common questions
Do you buy houses anywhere in the Memphis area?
Yes. We buy throughout the Memphis area and across Tennessee, in any condition and any price band. If the property is outside that metro but still in Tennessee, we still buy it.
How fast can I get an offer on my Memphis 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 Tennessee?
Close With Creative provides a competitive cash or creative financing offer within 24 hours of evaluating your Tennessee property. If you accept, we can close in as little as 7 to 14 days, or on whichever date fits your timeline. Tennessee closings can be handled by title companies or attorneys.
Do I need to make repairs before selling my Tennessee home?
No. We buy all Tennessee 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 Tennessee?
Zero. No agent commissions, no listing fees, no closing costs. Tennessee charges a state transfer tax of $0.37 per $100 of value. We cover all transfer taxes and closing costs. The offer you accept is exactly what you receive at closing.
What types of properties does Close With Creative buy in Tennessee?
We purchase single-family homes, townhouses, condos, duplexes, multi-family properties, mobile homes, vacant land, and commercial properties throughout Tennessee. Any condition — fire damage, water damage, outdated, code violations, or perfectly maintained.
How does Tennessee's foreclosure process work?
Tennessee uses non-judicial foreclosure through power of sale, typically completing in about 60 days. 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 Tennessee?
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 Tennessee sellers can choose the best fit.
Can I sell my Tennessee house if I still have a mortgage?
Yes. Most Tennessee homeowners who sell to us still carry a mortgage. At closing, your existing mortgage is paid off from the sale proceeds through the title company or 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 Tennessee?
Tennessee charges a state transfer tax of $0.37 per $100 of value. We cover all transfer taxes and closing costs.
What Tennessee cities and areas do you serve?
We buy properties across all of Tennessee's major markets. From the honky-tonks of Broadway in Nashville to Beale Street in Memphis, from the Great Smoky Mountains to Dollywood in Pigeon Forge. If it's in Tennessee, we'll make an offer.
How do you determine the offer price for my Tennessee property?
We analyze recent comparable sales, current market conditions, property condition, and repair estimates. Tennessee's median home price is approximately $340,000 with homes selling in about 40 days on market. Our valuation process is fully transparent — we share the data behind every offer.
Get your free offer options in Memphis 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.