New York · Cash Offer in 1 Hour
Sell a House As Is in New York
New York used to let sellers pay $500 at closing instead of filling out the disclosure form. That option ended in March 2024. Every residential seller now completes the Property Condition Disclosure Statement, as is or not.
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As Seen In
New York Rules
How New York Law Shapes This Sale
Since March 2024 you cannot buy your way out of the disclosure
The amended Property Condition Disclosure Act took effect on 20 March 2024 and removed the $500 credit that sellers could give a buyer in place of the disclosure form. That credit had become the default choice because it capped liability. It is gone. All sellers of residential property must now complete and deliver a Property Condition Disclosure Statement to the buyer before the contract of sale is signed. An as is sale does not change that.
The amended form adds seven flood questions
The 2024 amendment added questions about flood risk: whether the property sits in a FEMA 100 year or 500 year floodplain, whether there is a federal requirement to carry flood insurance, whether FEMA assistance was ever received for flood damage, whether flood insurance is in force, whether an elevation certificate exists, and whether a flood claim has been filed. If the house has water history, this is now an explicit written question rather than something a buyer has to think to ask.
New York closings are attorney driven and the transfer tax is real money
New York closings involve attorneys on both sides. The state transfer tax runs $4 per $1,000 of price, and New York City layers on additional taxes including the Mansion Tax above $1 million. On an upstate sale the attorney fee is the bigger line. In the city, the taxes are. Either way, ask for a net sheet rather than comparing headline offers, because two identical offers can net very differently.
Why New York as is sellers choose cash
Upstate cities like Buffalo, Rochester and Syracuse see strong cash activity. New York City has lower cash volume but high per deal value. The as is pattern is the same in both: old housing stock, a lender that wants the roof and the heating system to pass, and a timeline stretched by attorney review. A cash buyer removes the lender from the equation, which is usually what shortens a New York closing from months to weeks.
Official New York resources
Cash Offer
We Buy Houses That Need Repairs for Cash in New York
HomeWise buys houses with foundation problems, roof and structural damage, fire or water damage, mold, outdated systems, and code violations. We factor the cost of the work into the offer instead of asking you to do it.
You do not pull permits, hire contractors, or front any money. We take the project on after we close.
Where We Buy Houses in New York
We buy across New York, whatever the situation. Start with your market:
Needs Repairs in Other States
The rules change at the state line. Pick the state the house is in:
Needs Repairs in New York: Common Questions
Honest answers about selling in this situation, what to expect, and how fast you can close.
Can I still give the $500 credit instead of the New York disclosure form?
No. The amendment that took effect on 20 March 2024 removed that option. Sellers must complete and deliver the Property Condition Disclosure Statement before the contract is signed.
Does selling as is in New York remove the disclosure duty?
No. As is describes what you will repair. The Property Condition Disclosure Act describes what you must tell the buyer, and it applies either way.
How long does a cash sale take in New York?
Usually 2 to 4 weeks, since attorney review still happens but there is no lender, appraisal or repair negotiation driving the schedule.
What New York Homeowners Say About Selling for Cash
Every review is from a verified Google Business profile. Real homeowners, real closings, real results.
“This process was so easy, thanks for making what could have been so time consuming a piece of cake.”
Sara Cantu
“Josh was great to work with. He explained everything clearly, kept me updated, and made the whole process easy. If you're selling your house, I'd definitely recommend him.”
Giselle Rachels
“Josh has been a pleasure to work with. He made it super easy for me to get rid of my home ASAP and made the process as simple and stress-free as possible.”
Matt Ferrara
“Selling our parents' home felt overwhelming until we found HomeWise. They handled everything with care and gave us a fair offer.”
Dana Richards
“Closed in 9 days. No repairs, no showings, no agent fees. Exactly what they promised.”
Marcus Webb
“I was facing foreclosure and HomeWise helped me close before the bank could take the house. Lifesavers.”
Elena Brooks
“Inherited a property I couldn't keep up with. HomeWise made the sale simple and the cash hit my account in under two weeks.”
Ryan Mitchell
“Got three other quotes. HomeWise's offer was competitive AND they actually closed on schedule. Would use again.”
Priya Shah