How fast can you buy my house?

We can close in as little as 7 days, or on your preferred timeline. After you contact us, we'll provide a cash offer within 24 hours. Once you accept, we handle all the paperwork and can close quickly at a local title company.

Do I need to make repairs before selling?

No repairs needed. We buy houses in any condition - whether it needs minor updates or major renovations. We purchase properties as-is, so you don't need to spend money fixing anything before the sale.

Are there any fees or commissions?

There are no fees, commissions, or closing costs when you sell to us. The cash offer we make is the amount you receive. We cover all typical closing costs and there are no hidden charges.

How do you determine your offer price?

We evaluate your property based on its location, condition, comparable sales in the area, and current market conditions. We then make a fair cash offer that works for both parties while accounting for any repairs we'll need to make after purchase.

What types of properties do you buy?

We buy all types of residential properties including single-family homes, condos, townhomes, duplexes, and multi-family properties. We purchase homes in any condition - inherited properties, homes facing foreclosure, properties needing repairs, and more.

Is there any obligation if I request an offer?

Absolutely not. Our cash offers are completely free and come with no obligation. You can take your time to consider our offer and there's never any pressure to accept. If you decide not to sell, that's perfectly fine.

What to Expect When Selling Your House to a Cash Buyer in San Diego

By Dylan Eterovich | January 13, 2026

If you are considering selling your house in San Diego County to a cash buyer, you probably have questions. How does it actually work? Is it legitimate? What is the catch?

This guide walks you through the entire process, step by step, based on how we operate at Chula Vista Home Buyers. No sales pitch, just the facts so you can make an informed decision.

The Initial Contact

Everything starts with a simple conversation. You can call us, fill out a form online, or send us an email. During this first conversation, we will ask about:

The property address
The general condition of the home
Your timeline for selling
Any mortgage balance or liens on the property

This call usually takes about 10 to 15 minutes. We are not going to pressure you or try to convince you of anything. We just need enough information to understand your situation.

The Property Assessment

Within 24 to 48 hours of that first call, we will schedule a time to see the property in person. This is not an open house or a showing for dozens of buyers. It is just one of us walking through your home.

We look at the structure, the roof, the foundation, any updates or repairs that have been done, and the overall condition. If you have tenants, a hoarding situation, or damage from water or fire, that is fine. We have seen it all in homes throughout Chula Vista, Otay Ranch, Eastlake, and the surrounding areas.

The walkthrough usually takes 15 to 30 minutes.

Getting Your Cash Offer

After we see the property, we run our numbers. We look at recent sales in your neighborhood, estimate the cost of any repairs or updates, and calculate our offer based on what we can resell or rent the property for.

You will typically receive a written offer within 24 hours of the walkthrough. The offer includes:

The exact cash amount we are offering
A proposed closing date (usually 7 to 14 days, but flexible to your needs)
Confirmation that we pay all closing costs
No commissions or fees on your side

This offer is not an estimate or a range. It is the actual number we are willing to pay.

How We Calculate Our Offers

Cash buyers like us are investors. We buy homes at a discount because we take on the risk and cost of repairs, holding the property, and reselling or renting it.

When we calculate an offer, we have to account for all the costs involved in turning the property around:

Repair and renovation costs
Marketing expenses to find a buyer
Real estate agent commissions when we resell (typically 5 to 6 percent)
Closing costs on both our purchase and future sale
Property taxes and insurance while we hold the home
Inspections, permits, and contractor fees
Our margin to cover risk and make the investment worthwhile

For example, if your home in Bonita would sell for $600,000 after $40,000 in repairs, we still have to factor in marketing costs, agent commissions on the resale, closing costs on both transactions, holding costs, and inspections. All of that adds up quickly. In this scenario, our offer would likely be around $450,000. You would walk away with that full amount since we pay all closing costs on your side.

We know that is less than what you might get on the open market after making repairs and waiting 60 to 90 days for a traditional sale. The trade off is speed, certainty, and convenience.

No Obligation to Accept

This is important: you are under no obligation to accept our offer. There is no pressure, no hard sell, no pushy follow up calls. If our offer does not work for you, that is okay. Maybe the traditional market is a better fit for your situation.

If you do accept, we move into the contract phase.

The Contract and Title Process

Once you accept our offer, we open escrow with a local title company. In San Diego, we commonly work with companies like Fidelity National Title, Chicago Title, or Old Republic.

The title company does a title search to make sure there are no unexpected liens, judgments, or ownership issues. If there are problems, we often still proceed and work with you to resolve them at closing.

You will sign a purchase agreement that outlines the sale price, closing date, and terms. Everything is in writing. No surprises.

Closing Day

On closing day, you sign the final documents at the title company. This usually takes about 30 to 45 minutes. You can bring any personal belongings, but you do not need to clean or make repairs. We buy the property as is.

Once the documents are signed, the title company wires the funds directly to your bank account. Most sellers see the money in their account the same day or the next business day.

You hand over the keys, and that is it. The house is sold.

Typical Timeline for San Diego Sellers

Here is what a typical transaction looks like:

Day 1: You contact us
Day 2: We schedule and complete the walkthrough
Day 3: You receive our written cash offer
Day 4 to 7: You decide whether to accept
Day 7 to 21: Escrow and title work
Day 21 or sooner: Closing and payment

If you need to close faster, we can often do it in as little as 7 days. If you need more time, maybe you are waiting for probate to complete or need a few extra weeks to move, we can work with that too.

Who Sells to Cash Buyers?

Not everyone should sell to a cash buyer. If you have a home in good condition and can wait 60 to 90 days for a traditional sale, you might get more money on the open market.

But cash buyers make sense for sellers who:

Need to sell quickly due to a job relocation, divorce, or financial hardship
Inherited a property they do not want to manage
Own a home that needs significant repairs they cannot afford
Are behind on mortgage payments and facing foreclosure
Have difficult tenants or properties with code violations
Simply do not want to deal with showings, repairs, and agent commissions

We buy homes throughout San Diego County, including Chula Vista, Otay Ranch, Eastlake, Rancho Del Rey, Bonita, Castle Park, Hilltop, San Diego, National City, Imperial Beach, La Mesa, and Coronado.

Questions to Ask Any Cash Buyer

If you are talking to cash buyers, here are some questions you should ask:

Are you the actual buyer, or are you assigning the contract to someone else?
Do you have proof of funds?
What title company will you use?
Are there any fees or costs I am responsible for?
What is your timeline from offer to closing?
Can I see reviews or references from past sellers?

Legitimate cash buyers have no problem answering these questions. If someone is evasive or pushes you to sign quickly without answering, walk away.

The Bottom Line

Selling to a cash buyer is straightforward if you work with someone reputable. You will not get full retail value for your home, but you will get certainty, speed, and convenience.

No repairs. No staging. No showings. No waiting months for a buyer. No 6 percent agent commission. Just a fair offer and a fast closing.

If you are thinking about selling your home in San Diego County and want to know what we would offer, reach out. There is no cost to get an offer, and no obligation to accept.