We buy houses in Richmond, VA
— cash offers and creative solutions
Close With Creative buys houses throughout the Richmond area. Tell us about your Richmond 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 Richmond, VA: 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.
Richmond, Henrico and Chesterfield: three tax calendars and the city's vacant building list
Three treasurers serve the Richmond area, and their due dates do not line up. The City of Richmond bills real estate tax on January 14 and June 14. Payment after the due date takes a 10 percent penalty and 10 percent annual interest. The city's real estate page also describes a Real Estate Tax Sale Program and says its priority is to help owners address delinquent taxes early.
Henrico County's installments are due June 5 and December 5, or the next business day when the date lands on a weekend or holiday. A late payment takes a 10 percent penalty, and interest at 4 percent a year starts on the first of the following month. For installment bills a USPS postmark on or before the due date counts, while an electronic payment has to reach the county's bank account by that date. Chesterfield's Treasurer, at 9901 Lori Road, also bills June 5 and December 5. In 2026 the December date is observed on Monday, December 7.
Recording a deed
Richmond's Circuit Court Clerk is in the John Marshall Courts Building at 400 North 9th Street. Normal recording hours are 8:30 a.m. to 3:30 p.m., and papers presented later are recorded the next business day. Documents must be originals that have been signed and notarized, and the first page must carry the tax map number, which in Richmond has 11 digits. The clerk will not knowingly accept an instrument that includes a Social Security number.
Henrico's clerk is at 4309 E. Parham Road, Room 240, and records from 8:00 a.m. to 3:30 p.m. Every document in the Deed Book needs a Land Records Cover Sheet, Henrico's parcel number has 10 digits, and a paper filing carries a $5 fee per instrument.
Richmond's vacant building registry
A building must be registered when it has been vacant for over twelve continuous months and meets Virginia's definition of derelict. The fee is $100 a year. Failing to register costs a $200 civil penalty, or $250 in a conservation or redevelopment area or a designated blighted area. The owner must notify the city in writing when the building is occupied again. A separate Vacant Building List comes from inspector findings, and the city monitors listed properties until they are occupied and meet code. Property Maintenance is in Room G-12 at City Hall, (804) 646-6357.
An estate in Henrico
Henrico's Circuit Court Clerk handles probate by appointment, made ahead, and an appointment usually takes about an hour. Henrico's Commissioner of Accounts is at 4114-A East Parham Road.
Sources
- City of Richmond: Real Estate Tax
- City of Richmond: Vacant Building Information
- City of Richmond Circuit Court Clerk: Deeds
- Henrico County: Real Estate Due Dates, Penalties and Interest
- Henrico County Circuit Court Clerk: Land Records Recording
- Henrico County Circuit Court Clerk: Probate and Estate Administration
- Chesterfield County: Treasurer
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 Richmond
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 Richmond home
- 1
Tell us about the property
A three-minute form or a phone call. We ask what the Richmond 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 VA sellers say
Real results from Richmond-area homeowners
“I had a fourplex in Richmond 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 $25K more than the next best offer.”
Sandra D.
Richmond, VA
“The creative financing option was a game-changer. I had plenty of equity in my Richmond home but needed time to find my next place. They structured a deal where I got above-market value and had 90 days to relocate.”
Thomas N.
Richmond, VA
“I was 2 months behind on my mortgage and the mortgage company was sending scary letters every week. Close With Creative called me back within 2 hours, explained my options clearly, and we closed in 21 days. They literally saved my house from foreclosure.”
Margaret A.
Virginia Beach-Norfolk-Newport News, VA
“My grandmother passed and left me her house in Washington-Arlington-Alexandria. It needed everything — roof, furnace, the works. I live 1,200 miles away and couldn't deal with contractors. They bought it as-is and I had a check in 14 days. The creative financing option got me $18K more than the cash offer.”
Linda B.
Washington-Arlington-Alexandria, VA
“Going through a divorce in Charlottesville 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.
Charlottesville, VA
“Job relocation from Blacksburg-Christiansburg to Dallas with 2 weeks notice. I couldn't list and wait. They had an offer in my hands the next morning and we closed before I started my new job. The creative finance option was something no other buyer even mentioned.”
James E.
Blacksburg-Christiansburg, VA
What every Richmond homeowner should know before selling
These are Virginia 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
Virginia is an attorney-closing state - a licensed attorney must supervise the closing and handle recordation. We coordinate all closing logistics at zero cost to you Virginia Real Estate Board .
Virginia Real Estate Board🏛️ Non-Judicial Foreclosure
Virginia uses non-judicial foreclosure through deed of trust with power of sale, typically completing in about 60-90 days Virginia Courts .
Virginia Courts💰 Transfer Tax Savings
Virginia charges a grantor's tax of $1 per $1,000 of value plus a state recordation tax of $0.25 per $100. We cover all transfer and recordation taxes Virginia Dept of Taxation .
Virginia Dept of Taxation📊 Virginia Market Snapshot
Median home price: ~$395,000 (up 5.5% year-over-year). Median days on market: 35. 50% of homes sell above list price. Our guaranteed, no-contingency offers eliminate market uncertainty Virginia Association of Realtors .
Virginia Association of Realtors🗺️ We Know Virginia
From the historic streets of Colonial Williamsburg to the Blue Ridge Mountains, from Arlington National Cemetery to Shenandoah National Park. Whether eating ham biscuits in the Piedmont, visiting wineries in Charlottesville, or watching wild ponies on Chincoteague - we buy houses in every corner of Virginia.
Other Virginia markets we buy in
Selling a house in Richmond, VA — common questions
Do you buy houses anywhere in the Richmond area?
Yes. We buy throughout the Richmond area and across Virginia, in any condition and any price band. If the property is outside that metro but still in Virginia, we still buy it.
How fast can I get an offer on my Richmond 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 Virginia?
Close With Creative provides a competitive cash or creative financing offer within 24 hours of evaluating your Virginia property. If you accept, we can close in as little as 7 to 14 days, or on whichever date fits your timeline. Virginia is an attorney-closing state — a licensed attorney must supervise the closing and handle recordation.
Do I need to make repairs before selling my Virginia home?
No. We buy all Virginia 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 Virginia?
Zero. No agent commissions, no listing fees, no closing costs. Virginia charges a grantor's tax of $1 per $1,000 of value plus a state recordation tax of $0.25 per $100. We cover all transfer and recordation taxes. The offer you accept is exactly what you receive at closing.
What types of properties does Close With Creative buy in Virginia?
We purchase single-family homes, townhouses, condos, duplexes, multi-family properties, mobile homes, vacant land, and commercial properties throughout Virginia. Any condition — fire damage, water damage, outdated, code violations, or perfectly maintained.
How does Virginia's foreclosure process work?
Virginia uses non-judicial foreclosure through deed of trust with power of sale, typically completing in about 60-90 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 Virginia?
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 Virginia sellers can choose the best fit.
Can I sell my Virginia house if I still have a mortgage?
Yes. Most Virginia 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 Virginia?
Virginia charges a grantor's tax of $1 per $1,000 of value plus a state recordation tax of $0.25 per $100. We cover all transfer and recordation taxes.
What Virginia cities and areas do you serve?
We buy properties across all of Virginia's major markets. From the historic streets of Colonial Williamsburg to the Blue Ridge Mountains, from Arlington National Cemetery to Shenandoah National Park. If it's in Virginia, we'll make an offer.
How do you determine the offer price for my Virginia property?
We analyze recent comparable sales, current market conditions, property condition, and repair estimates. Virginia's median home price is approximately $395,000 with homes selling in about 35 days on market. Our valuation process is fully transparent — we share the data behind every offer.
Get your free offer options in Richmond 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.