We Buy Houses in Westchester County, NY for Cash

Sell Your Westchester County House As-Is, on Your Timeline

Simply Sold RE is a Westchester company. Our office is on Huguenot Street in New Rochelle, and we buy houses, multi-families and condos in every one of the county's six cities and across its towns and villages — from the Sound Shore to the Hudson river towns to the lake communities up by the Putnam line. If the house is in Westchester, we want to see it.

Westchester has the oldest and most varied housing in the Lower Hudson Valley, and that variety is exactly why so many sales here go sideways. A pre-war three-family in Yonkers, a 1920s Tudor in Fleetwood, a co-op in White Plains and a 1970s raised ranch in Yorktown are four different markets with four different buyer pools, and the traditional process treats them all the same — and fails them the same way, at the inspection or the appraisal.

We buy the houses that process struggles with. Aging systems, deferred maintenance, tenants in place, estates in probate, an owner who has already moved away — none of it is a problem for a buyer who is not borrowing the money. You get one written offer, one closing date and no repair list.

Why Westchester Homeowners Sell to Us

Behind almost every call is a deadline, a distance or a decision. These are the Westchester situations that land on our desk most often:

• A parent's house in New Rochelle or Ossining needs to pass through Westchester County Surrogate's Court in White Plains, the siblings live in three different states, and nobody wants to manage a renovation from afar. Read the guide →
• The mortgage went unpaid after a job loss or illness, the 90-day notice has come and gone, and the foreclosure case has been filed in Westchester Supreme Court. Read the guide →
• You own a two- or three-family in Yonkers, Mount Vernon or Port Chester, the rent has not covered the taxes and repairs in years, and every tenant turnover costs more than the last. Read the guide →
• City or town taxes are several years behind and the municipality has started the lien or foreclosure process — in Westchester that clock runs at the local level and can move faster than owners expect. Read the guide →
• The house needs a roof, a heating system, an oil tank pulled, asbestos or knob-and-tube dealt with — and a contractor's estimate made the decision for you. Read the guide →
• You have been relocated for work, the house is sitting empty and the carrying costs — Westchester taxes above all — are eating the equity every month. Read the guide →
• A judgment of divorce requires the marital home in Scarsdale or Harrison to be sold, and both parties want a clean number and a firm date rather than months of showings. Read the guide →
• The children are gone, the taxes are not, and the four-bedroom colonial has become a full-time maintenance job you would rather trade for something smaller. Read the guide →

Westchester County's Housing Reality

Westchester is really several housing markets sharing one tax base. The southern cities — Yonkers, Mount Vernon, New Rochelle — hold the county's densest and oldest stock: brick and frame two- and three-families, pre-war apartment buildings, and single-families on small lots, much of it built before the Second World War. Owners there often compare cash home buyers in Yonkers before picking one, and our Yonkers page lists what to check. White Plains, the county seat, is high-rise condos and co-ops downtown surrounded by older single-family neighborhoods, and we buy houses in White Plains, from downtown units to those neighborhood houses. Up the Hudson, the river towns from Hastings up to Peekskill are Victorians and hillside colonials on Metro-North's Hudson line. And northern Westchester — Yorktown, Cortlandt, Somers, Bedford, Lewisboro, North Salem — is postwar splits and ranches, lake communities and rural parcels on wells and septic.

The common thread is age. Westchester houses were built for owners who expected to maintain them, and a great many are now on original or once-replaced systems: boilers past their service life, cast-iron drains, underground oil tanks, electrical panels a home inspector will flag on sight. Financed buyers are entitled to be nervous about all of it, and their lenders are stricter still. In the southern cities the added wrinkle is legality of use — a basement apartment or a third unit without a certificate of occupancy can make a house unmortgageable even when it has been rented for decades. Cash removes the lender from the equation and lets the house sell as it actually is.

Then there are the taxes. Westchester carries some of the highest property-tax bills in the United States, assessed and enforced at the municipal level rather than by the county. Each city and town collects its own; some sell tax liens, others foreclose directly, and the timelines differ from one municipality to the next. Yonkers, Mount Vernon and Peekskill also add a city transfer tax on top of the state's when a house changes hands. Arrears and liens are paid from the proceeds at closing, but acting before the local process reaches judgment keeps more of your equity. Our Westchester tax-foreclosure guide walks through how it works town by town.

How a Cash Sale Works in Westchester

Every Westchester closing runs through attorneys, and we are set up for that. After you accept the offer, our attorney sends a contract to yours, we order title and a municipal search, and we close at an attorney's office wherever suits you — usually within one to two weeks of contract, or later if your move needs it. We pay the customary closing costs. Any mortgage, tax arrears, water bills or judgments are satisfied from the proceeds on the closing statement, so you walk away with a check and no loose ends.

Estates are routine for us. We can go to contract while the Surrogate's Court petition is pending and close when the fiduciary is appointed, coordinating with the estate attorney so multiple heirs sign once. Tenant-occupied buildings close occupied — leases carry over under New York law, and in the handful of Westchester municipalities where larger pre-1974 buildings fall under the Emergency Tenant Protection Act, we take that on too. Vacant houses can close remotely, with your attorney handling the documents. For each step from accepted offer to the deed being recorded in White Plains, read our guide to how long it takes to sell a house in Westchester County.

One honest caveat: if you own a renovated house in a strong Westchester school district and can afford a few months of showings, listing may put more in your pocket. We are the right call when the house needs work, the timeline is short, the ownership is complicated or you simply want it done. Our comparison page puts the two side by side with real numbers so you can decide for yourself. When speed outranks price, start with our sell my house fast in Westchester overview, which follows a cash sale from the first call to the attorney's closing table.