From Lookout Mountain to Northshore, Tennessee’s real estate market is constantly shifting. But cash is still king. In 2024, approximately 29–30% of home sales were all‑cash, on par with the national average. Some cash home buyers in Chattanooga offered sellers 100% of their home’s market value, while others offered just 40%.
Getting a fair cash offer is like riding the Incline Railway—some trips bring scenic rewards, others leave you stranded halfway. The solution? List on cash buyer marketplaces! Your home will be visible to local and national cash buyers instantly.
Key Takeaways
- The best cash buyer companies in Chattanooga are Clever Offers, Houzeo, New Horizon Home Buyers, ASAP Cash Home Buyers, Express Homebuyers, and Opendoor.
- Clever Offers is the top choice for getting quick cash in Chattanooga. You can get offers from multiple buyers in just 7 days.
- Houzeo is the next best option, where multiple cash buyers can submit offers. This may drive up your home’s price.
- New Horizon Home Buyers and ASAP Cash Home Buyers offer speed; their offers are often lower and non-negotiable.
- iBuyers such as Opendoor provide convenience, but have strict eligibility criteria.
- To avoid cash buyer scams, verify buyer credentials and read company reviews before accepting any offer.
Reviews: 6 Best “We Buy Houses for Cash” Companies in Chattanooga
1. Clever Offers
QUICK CASH OFFERS
Listing Fee: None.Clever Offers, part of Clever Real Estate, connects you with multiple cash buyers to compare offers and find the best deal for your timeline. They have three programs:
- Cash Offers: You can sell your home as-is to vetted cash buyers. It’s a fast and convenient way to sell your home without repairs and staging.
- 7-Day Sold: This is a short MLS listing aimed at competing cash bids. It allows you to list your home for 7 days, improving your chances of securing the highest and best offer.
- Instant Cash Offer: You get most of your home’s value upfront, plus a bonus when the buyer resells. This program is perfect for sellers who want quick funds and a chance to benefit from future market gains.
Comparing cash offers is free. Depending on the option you choose, a partner service fee may apply.
Clever Offers have several advantages:
- Multiple Cash Offers: Get competing bids from vetted investors (often within 24–48 hours).
- Customized Assistance: Whether you want speed, certainty, or the best possible payout, Clever Offers gives you flexible options to match your goals.
- As-Is Sale: Skip repairs, showings, and cleanup; buyers on Clever Offers purchase the property in its current condition, which speeds up and simplifies the process.
- Concierge Support: A licensed team reviews your offers, walks you through next steps, and, if needed, provides a quick open-market opinion for comparison.
- Nationwide Coverage: Clever Offers operates across all 50 states in the US. However, specific offer types may vary by market.
- Flexible Options: Side-by-side options let you balance speed, certainty, and price — so you don’t have to settle for a one-size-fits-all solution.
Here are some drawbacks we found about Clever Offers:
- Offers Can Vary: Some cash home buyers follow the 70–80% of the after-repair value rule of thumb, which is less than what you’d likely get on the open market. Competition usually helps, but outcomes differ by market and condition.
- Market Availability: Specific programs (e.g., iBuyers, Instant Cash Offer) depend on local coverage.
Clever Offers is a part of Clever Real Estate, which boasts a 4.9 out of 5 star-rating from over 3,696 reviews on Trustpilot.
👉 Our Take: Clever Offers is a good choice if you need to sell quickly, want to avoid repairs or prefer an easy process. Their three different programs give you more flexibility to choose what works best for your situation.
2. Houzeo
MAX EXPOSURE TO CASH BUYERS
Listing Fee: $149Houzeo is the best option if you’re looking for multiple cash offers. Your MLS listing will be exposed to local and national cash buyers, increasing the number of offers you receive.
- Pricing: $149 + 1% at Closing
- MLS Listing: Your home gets full 6-month MLS exposure with unlimited high-quality photos showcasing its best features.
- Cash Buyer Network: Your listing is automatically visible to major cash buyers like Opendoor, HomeVesters, Offerpad, We Buy Houses, and dozens more.
- Unlimited Updates: Make as many listing changes as needed—adjust price, photos, or details without restrictions or extra fees.
- Closing Support: Get expert guidance from contract to closing with dedicated consulting to ensure a smooth transaction.
» Houzeo Reviews: Find out why Houzeo is one of America’s best “Sell my house for cash” option.
Houzeo is America’s #1 “Sell my house for cash” option because:
- Your Property will be on All Major Real Estate Websites: Houzeo’s packages give you access to the MLS. This showcases your property on 100s of websites like Zillow, Realtor.com, Redfin, etc.
- 5-Star Customer Service: Houzeo’s customer service desk is available 6 days a week. Chats and emails are open 7 days a week.
- 100% Online: Houzeo has cutting-edge tech. For you, this means easy listing, fast changes, online showings, and online offers on your phone, from your couch.
With Houzeo, there are no dealbreakers—it’s so simple, a 5-year-old could sell a house!
» Houzeo Pros and Cons: Read the advantages and disadvantages of choosing Houzeo to sell your home for cash.
Houzeo is rated 4.9 out of 5 stars by thousands of home sellers on Google & Trustpilot.
👉 Our Take: We recommend Houzeo's Gold plan to maximize your cash offers. It delivers complete transparency with zero hidden fees. Plus, you can access Houzeo’s advanced features to negotiate the best terms for your cash offer.
3. New Horizon Home Buyers
POPULAR CASH HOME BUYER
Service Fee: NoneNew Horizon Home Buyers operates in 9 states in the US. The company specializes in providing fair offers and support for selling your house as-is:
- Typical Offer: 50% to 70% of Fair Market Value.
- Eligible Properties: Distressed properties, such as those with structural issues, tenant problems, code violations, inherited ownership, and more.
- Closing Offer Terms: They offer a closing timeline of 7 to 30 days.
- Service Fee: None.
Here are some of the advantages offered by New Horizon Home Buyers:
- Fast Cash Offer: You can get an offer in approximately 24 to 48 hours after you submit your details.
- No Closing Costs: You do not need to pay any extra fees, as they cover all seller closing costs.
- Sell As-Is: New Horizon Home Buyers buys houses in as-is condition. You don’t need to worry about any repairs whatsoever.
While the company presents a streamlined and convenient option, sellers should consider the potential trade-offs associated with cash companies:
- Limited Coverage: They provide services only in selected states, such as Georgia, Tennessee, Arkansas, Alabama, Louisiana, South Carolina, North Carolina, Florida, and Texas.
- Non-Negotiable Offer: New Horizon Home Buyers will not offer more than 70% of your property’s Fair Market Value.
- Adjusted Final Offer: After a thorough home inspection, they quote an offer based on the After-Repair Value.
New Horizon Home Buyers has 4.9 out of 5 stars with 35+ reviews on Google.
» New Horizon Home Buyers Reviews: Know why it is not the best way to sell with New Horizon Home Buyers in 2025.
New Horizon Home Buyers helps you sell your house fast and in any condition. However, they have limited coverage, and you may have to settle for a lowball offer while selling with them.
4. ASAP Cash Home Buyers
NATIONWIDE COVERAGE
Service Fee: NoneASAP Cash Home Buyers aims to provide a straightforward process for quick sale:
- Typical Offer: While not explicitly stated on their website, the offers typically range from 50% to 70% of the property’s Fair Market Value.
- Eligible Properties: The company buys a variety of properties including condos, townhouses, etc. Properties with structural issues or homes facing foreclosure, even those in high-crime areas, are also considered.
- Closing Offer Terms: They aim for a fast closing, with timelines potentially ranging from 7 to 28 days after accepting the offer.
- Service Fee: None.
Here are some of the benefits that you get with ASAP Cash Home Buyers:
- Nationwide Coverage: ASAP Cash Home Buyers operates across all 50 states, offering broad accessibility.
- Flexible Closing Date: They aim to work with your preferred closing timeline, potentially closing in as little as 7 days.
- No Hidden Costs: ASAP Cash Home Buyers mention all their fees upfront.
- Purchase of Distressed Home: You can sell your home as-is to save time and without any minor repair work.
In our research, we have found certain drawbacks of ASAP Cash Home Buyers:
- Varying Level of Service: ASAP Cash Home Buyers partners with other real estate investors. Therefore, there’s no guarantee that you will work with a knowledgeable and responsive buyer.
- Only Purchase Homes: ASAP Cash Home Buyers does not buy property interests like timeshares, hotels, or rental communities. Thus, if you want to sell other properties, you need to consider other options.
- Limited Negotiation: Since they have a streamlined process, it can result in fixed terms and conditions. This means you have less opportunity to negotiate on the offered price.
ASAP Cash Home Buyers has a rating of 4.8 out of 5 stars with 35+ reviews on Google.
» ASAP Cash Home Buyer Review: Want to know more about the company? Read our in-depth analysis.
👉 Our Take: ASAP Cash Home Buyers could be a viable option if your priority is a fast, hassle-free sale and you want to avoid repair costs and fees. However, be prepared to receive a cash offer that is significantly below market value.
5. Express Homebuyers
CASH HOME BUYER NETWORK
Service Fee: NoneExpress Homebuyers specializes in making all-cash offers on distressed houses. They cater to home sellers who want to sell their houses fast without making any repairs.
- Typical Offer: You can get up to 50% to 70% of your house’s Fair Market Value.
- Eligible Properties: Express Homebuyers deals with selling inherited properties, homes sold after divorce, foreclosure properties, rental properties, and more.
- Closing Offer Terms: The company has a flexible closing timeline and can buy your home at your convenience. Usually, they close within 2 to 4 weeks.
- Service Fee: None.
Here are some of the highlights of Expess Homebuyers when selling your home:
- Flexible Closing: You can choose closinge date according to your convenience.
- No Charges or Fees: Express Homebuyers does not charge you any fees. You will receive the full price based on market research and the house’s condition.
- Sell As-Is: You need not prep the home for listing, home staging, or worry about making repairs.
You should also consider cons of dealing with a cash company like Express Homebuyers:
- Unresponsive Customer Support: Express Homebuyers have some bad reviews regarding their customer support, like communication and no response.
- Non-Negotiable Offer: You must either accept or decline the offer with no change or modification requests. The offer is usually 80% of property’s Fair Market Value.
Express Homebuyers has a rating of 4.4 out of 5 stars with 165+ reviews on Google.
» Express Homebuyers Reviews: Want to know more about the company? Read on!
👉 Our Take: Express Homebuyers can be a great option to sell an extremely distressed property. However, if your house needs minimal or no repairs, then you should consider listing on the MLS.
6. Opendoor
SEASONED IBUYER
Service Fee: 5%Opendoor is the biggest iBuyer in the U.S. They offer cash for your home within 24 to 48 hours of submitting your details on their website. Opendoor is also flexible with closing timelines and move-out dates.
- Typical Offer: 70% to 80% of your property’s Fair Market Value.
- Eligible Properties: Opendoor will make cash offers only on owner-occupied properties built post-1930 with a maximum lot size of 1.5 to 2 acres. Prefabricated homes or homes with tenants do not qualify for Opendoor’s cash offer.
- Closing Offer Terms: Opendoor claims to let you close at your pace, up to 45 days after their offer. However, be aware that your final offer may change.
- Service Fee: You will be charged 5% of the home sale price.
Here are some of the benefits that you get with Opendoor:
- Broad Coverage: Opendoor makes cash offers for houses in 51 markets across the country.
- Sell As-Is: Opendoor helps you avoid the hassle of making minor repairs and you can sell your house as-is.
- Late Checkout up to 14 Days: Opendoor lets you temporarily stay in your home for up to 2 weeks after closing.
- No Cancellation Fees: You can cancel the contract anytime without incurring any fine.
In our research, we have found certain drawbacks of Opendoor:
- Low-ball Cash Offer: You will get around 70% of your property’s Fair Market Value, before deductiong repair and closing costs.
- Hefty Service Fees: Opendoor will charge you a steep 5% service fee.
- Strict Eligibility Criteria: You can’t sell an inherited property, homes wiht tenants, pre-fabricated or mobile homes, and properties located in a flood zone.
Opendoor has a rating of 4.4 out of 5 stars from 3,405 reviews on Reviews.io.
» Opendoor Reviews: Read customer reviews and our breakdown of Opendoor’s cash offer to make an informed decision.
👉 Our Take: We recommend Opendoor if your home needs minimal repairs. But beware, as you may end up leaving almost 20% to 30% of your home equity on the table.
Are Companies That Buy Houses for Cash in Chattanooga Legit?
Yes, companies that buy houses for cash are legitimate and operate nationwide. In fact, the National Association of Realtors (NAR) confirms the credibility of cash buyers in Chattanooga. Need to sell your house quickly? These companies provide a streamlined process for fast transactions.
However, many homeowners fall prey to “cash for houses” scams. So, check customer reviews, ratings, and their track record to ensure you’re dealing with a reputable cash buyer.
3 Types of Companies That Buy Homes in Chattanooga
- “We Buy Houses for Cash” Companies: Cash buyers like New Horizon Home Buyers purchase distressed homes, typically paying 30% to 70% of their Fair Market Value.
- iBuyers: iBuyers, such as Opendoor and Offerpad, provide instant cash offers between 70% and 80% of the home’s value. They have strict eligibility criteria, limiting the types of homes they purchase.
- Home Trade-In Services: Companies like Knock or Orchard offer cash for your home before you move out. This helps you buy your new house without any delay.
How to Sell Your Home for Cash in Chattanooga?
Whether you’re in Downtown, Northshore, or Southside, the steps for selling your home for cash remain the same:
- Share Details About Your House: A cash buyer company will collect basic information like the location and condition of your property. This can typically be submitted directly through their website or over the phone.
- Review the Preliminary Cash Offer: Your cash home-buying company will make an initial offer after evaluating your home and checking real estate comps. Typically, it’s 30% to 70% of the house’s fair market value.
- Complete a Home Inspection: If you accept the initial offer, a third-party home inspector will visit your property for an onsite inspection. After they adjust repair expenses and holding costs, the cash house-buying company will send a final offer.
How Much Do Cash Buyers in Chattanooga Pay?
Companies that pay cash for houses in Chattanooga usually offer 30% to 70% of a home’s value. However, it depends on factors like the cash buyer you’re selling to, their service fee, etc.
Imagine if you were selling your $392,300 home. A typical cash buyer might offer you only $274,610. However, with the best cash buyers in the city, you may potentially get top dollar for your home!
Pros and Cons of Cash Home Buyers in Chattanooga
Here are some pros and cons you must consider before you choose a company that buys houses for cash in Chattanooga:
✅ Pros
- Quick Cash Offers: “We Buy Houses for Cash” companies often provide fast cash offers within 24 to 48 hours. So, you can sell your home quickly without waiting for financing.
- Flexible Closing: Cash buyers in Chattanooga close quickly. You can sell your home within 7 to 30 days, depending on your schedule and preferences.
- No Repair Costs: Most cash buyers purchase properties as-is. This eliminates the need for repairs or upgrades before selling, saving thousands of dollars.
❌ Cons
- Lowball Cash Offers: Chattanooga cash house buyers typically pay only 30% to 70% of your home’s value. So, you leave a significant amount of your home’s equity on the table.
- Non-Negotiable Deals: Investors offering cash for your home in Chattanooga rarely budge on price. There’s very little room for negotiation, limiting your ability to secure a better offer.
- Possible Closing Costs: Some cash buyers might force you to pay seller closing costs in Tennessee. Always check the terms, or you could be out 6.25% to 9% of your home’s value!
Common “We Buy Houses for Cash” Scams 🚩
If any Chattanooga cash home buyer extends an offer that seems too good to be true, it probably is. Stay alert, and don’t fall victim to the following scams:
- Bait-and-Switch Offers: Scammers present appealing offers and then change them later, hoping you’ll accept out of desperation. Always verify the terms before you sell your house fast for cash in Chattanooga or accept an offer.
- Deed Fraud: Fraudsters can sell or mortgage your home without your consent using fake documents. Check customer testimonials and reviews before you select a cash buyer.
- Loan-Flipping Scams: Some scammers may pressure you to sell your home fast for cash by offering loans that drain your equity. Always consult a trusted advisor before you agree to any cash offer.
- Email Phishing: Scammers send fraudulent emails pretending to be agents, title companies, or lenders. They trick you into wiring money or providing personal details for fake services. Always confirm the authenticity of any cash offer for a home via a phone call.
Alternatives to Companies That Buy Houses for Cash in Chattanooga
- Flat Fee MLS Services: You can get up to 100% of your home’s FMV with a Tennessee Flat Fee MLS listing. Your home is visible to multiple cash buyers, increasing your offers.
- For Sale By Owner: When you sell FSBO, you’ll have to manage offers, handle paperwork, and negotiate, all by yourself. But with the best FSBO website in Chattanooga, your home gets listed on the MLS with max exposure!
- Full-Service Realtors: They provide various services from listing to closing but charge a hefty 5% to 6% commission.
- Discount Real Estate Brokers: They offer services like contract review and negotiation for a lower fee than traditional agents. Discount brokers in Tennessee charge between 0.5% to 2.5% as commission.
5 Tips to Sell Your Home Fast in Chattanooga
- Price Your Home Realistically: Get a Comparative Market Analysis report or use Houzeo’s free home value estimator before finalizing your price. The right price will attract potential buyers faster.
- List on a Cash Buyer Marketplace: Home flippers are constantly looking for investment houses for sale in Chattanooga. You could get multiple offers for your home, driving up its home sale price.
- Address Minor Repairs: Fix leaky faucets and broken outlets, and give your house a fresh coat of paint to boost its appeal. Even small upgrades can significantly increase your home’s value and help you sell faster.
- Respond to Enquiries Quickly: Answering buyer inquiries promptly demonstrates your commitment to selling your house quickly. Maintain flexibility for weekend showings to accommodate busy buyers’ schedules.
- Create Compelling Virtual Tours: High-quality photos and virtual tours help your listing attract remote buyers and sell your home quickly.
Should You Sell to Cash Home Buyers in Chattanooga?
Yes, but only if you’re ready to say goodbye to 30% to 70% of your home’s equity. That’s the price you pay for a quick sale. On the other hand, with top cash buyer marketplaces, you can compare multiple offers, sell fast, and potentially get top dollar for your home.
