Identity before the number
How to Verify a Cash Home Buyer Before You Sign
A written price is not proof of funds. Check who is on the contract, who can close at title, and which terms let the buyer walk. Request an offer from us the same way you would from anyone else—then read it.
- Local Indianapolis buyer
- A written cash offer
- Closing through a local title company
How do I tell a funded buyer from a wholesale pitch?
Ask four questions in writing: whose name is on the purchase agreement, who is bringing the money, which licensed title company will close, and whether the contract can be assigned to someone you have not met. A registered Indiana entity, a cell-phone offer, or a slogan about cash is not enough. You should be able to call the closer yourself.
What “cash” is allowed to mean, and what it is not
On this site, cash means the buyer is not using a mortgage to purchase your house. It still means a title-company closing, a recorded deed at the Marion County Recorder, and payoffs collected on a settlement statement. It does not mean a duffel bag, a skipped search, or a fee you pay to hear a number. The cash offer page is the pricing conversation. This page is the identity conversation.
A verification sequence that does not require trusting marketing
- Name the party. Match the contract name to an entity you can look up. Indiana’s Secretary of State INBiz business entity search shows registration status for Indiana filings. Out-of-state entities may not appear. A filing is not money.
- Name the closer. Get the title company’s legal name and a number you can verify on that company’s own site. Call them and ask whether they have an open file, not whether they “work with investors.”
- Read assignment, inspection, and deposit. Who holds earnest money? How long can the buyer inspect? Can they assign to an unknown LLC? Vague answers are a reason to pause, not a reason to sign faster.
- Refuse prepaid “access.” The FTC’s mortgage-relief scam guidance is written for distressed owners, and it says outright that demanding payment before delivering any service is both a warning sign and, for mortgage-relief companies, illegal. The pattern transfers: anyone who wants a fee before they perform is asking you to fund their pitch. The CFPB’s mortgage-relief legitimacy questions are another independent checklist when someone is selling “help,” not a house purchase.
Signals only. None of these is a legal conclusion that a buyer is safe or unsafe.
| Ask | Stronger answer | Weaker answer |
|---|---|---|
| Who buys? | Named entity or person that matches the signature block. | “My LLC, I’ll send the name later.” |
| Who closes? | Licensed title company you can call without the buyer on the line. | “We have our own escrow” with no independent number. |
| What do I pay now? | Nothing to request or consider an offer. | Application, lock, marketing, or “title opener” fee to the buyer. |
| Can they assign? | Clear yes/no and who still has to perform. | Silent assignment plus a new buyer the week of closing. |
Proof of funds without a theater of bank names
Ask for evidence that the buyer can perform—commonly a letter or statement from a financial institution or a conversation with the closer—but do not treat a screenshot as a closing. We will not publish a list of banks we “always use,” a dollar threshold we always require, or a same-day verification script. Those would be invented rituals. If a document cannot be confirmed by a third party you selected, it is marketing.
Use this checklist on us the same way you would use it on anyone else. Company background is on About. How we talk about ourselves as buyers is on cash home buyers in Indianapolis.
Questions that separate buyers from pitches
After you know who you are dealing with
Request a written offer you can verify at title
Share the address. If we are the right buyer, you receive a written cash offer after we review the property. You can call the closer. You do not pay to hear a number.
No obligation · Takes less than 60 seconds for most people · We will follow up with next steps, not spam
Want to talk to a real person?
Call now and tell us about the property. If email is easier, use the contact page.
(463) 276-5712