Cash, as is
We buy the house in its current condition and close on your timeline.
- No repairs or cleaning
- No showings or open houses
- Closing date you choose
Florida home buyers · Pensacola to Fort Myers
We buy Florida houses and land. See what you walk away with, three ways.
Cash, terms or a 1% listing for your house, side by side, in writing.
Enter your address. We put cash as is, creative terms and a 1% full-service listing on one page, in writing, with your net on each. No cost, no obligation, no repairs.
- About a minute
- No cost
- We see the house before we offer
- Close in 7 to 90 days, on your date
Fort Myers · a home we worked onSee your three numbers now
Example cash at closing, rounded. Not an offer. How we estimate
- ways to sell, side by side
- 3
- Florida towns with a local guide
- 11
- full-service listing through our brokerage partner
- 1%
- licensed Florida title company closes every sale
- Title
No cost and no obligation. Subject to qualification, property inspection, and transaction terms.
Florida LLCSunbiz L24000335041
Real office848 Brickell Ave, PH5, Miami
Neutral closingFirst International Title
In writingEvery number, every risk
Check us before you call3 options, 1 page
Your Side‑by‑Side. Your net on each, in writing.
Flip through an example. Your real Side‑by‑Side comes after one call and a look at the house.
See my optionsHow we figure these numbersAbout these examples
Example numbers from our calculator: a $350,000 value, a $180,000 loan and $25,000 of repairs, with Florida doc stamps (0.70%) and 1% other closing costs. Not an offer. Subject to qualification, property inspection, and transaction terms.
Cash, as is
$72,000 · cash at closing72% of value for a house that needs some work, minus your loan. We pay the closing costsClose on the date you chooseNo repairs, no showings
Creative terms
$10,000 · cash at closingPlus $132,000 of your equity paid over time. Your $180,000 loan stays in placeSubject-to: the buyer takes over the paymentsKeeps a low rate working
1% listing
$126,700 · cash at closingAfter the 1% fee, buyer agent pay, repairs, closing costs and 4 months of paymentsOn the MLS through our brokerage partnerUsually the highest priceFree calculator
See your numbers in about a minute
Enter your home value and loan balance. The calculator estimates what you could walk away with from a cash sale, creative terms and a 1% listing, side by side. Estimates only.
What the estimate assumes
Cash: we pay all closing costs. 80% of value in good shape, 72% if it needs some work, 62% if it needs major work, minus your loan. Creative terms: a price near 97%, 93% or 85% of value, $10,000 at closing and the rest of your equity paid over time, and your loan stays in place. With no loan, seller financing: 10% down at closing, the rest monthly. Listing: 1% fee, 2.5% buyer agent pay (negotiable), Florida doc stamps 0.70%, 1% title and closing costs, repairs or a price cut of 1%, 5% or 12%, and 3 to 5 months of loan payments, taxes and insurance while it sells. Change any of these in the full calculator.
More calculators: compare an offer you have, what your low rate is worth, seller finance payments and the cost of waiting.
Your Side‑by‑SideExample
Cash, as isCash at closing
Creative termsCash at closing+ $132,000 over time. Loan stays in place: $180,000
1% listingCash at closing, after costs
Rounded to the nearest $100. Not an offer. Subject to qualification, property inspection, and transaction terms.
Seller financing
Set your own terms and see what you collect
With seller financing, you are the bank. You pick the price, the down payment, the rate and how long we pay you. Move the numbers until they work for you, then send them to us.
Your seller finance termsExample
Down payment at closingPaid to you through the title company
Every month360 payments
Balloon payoffAfter 5 years
Total you collectIncluding interest
Estimate only, rounded, not an offer. Final terms are agreed in writing, and the note and mortgage are recorded through a licensed Florida title company. Your attorney can review every page. More detail in the seller finance calculator.
Your timing
Pick your closing date
Close as soon as 7 days from now or as far out as 90. Slide to the date that works for you and see how each way to sell fits it.
Closing on30 days from today30 days from today
- Cash, as isFits. We set the closing with the title company for your date.
- Creative termsFits. Your loan stays in place, so the date is about your move.
- 1% listingFits. We plan the list date backward from your closing date.
The title company confirms the final date once title is clear.
How it works
Four simple steps, no pressure
From the first call to closing day, you always know what happens next.
From our files
Real Florida sellers, real situations
Each one is a real HOMKEYS deal. Names, addresses and prices are left out to protect the sellers.
A low-rate loan is worth something
A loan around 5 percent, no missed payments, no wish to list. We bought subject to the mortgage, with cash at closing and a 60-day closing so they could plan the move.
Read the Fort Myers storyA pool home that needed everything
Aging roof and AC, a green pool, unfinished rooms and a house full of belongings. We bought it as is, with the clean-out written into the contract.
Read the Spring Hill storyTime to move, in writing
A straight cash sale of the house as it is. The seller needed time to move, so the agreement gives 30 days in the home after closing.
Read the Pace storySeveral rentals, one package
An owner of rented mobile homes, all free and clear, wanted to sell them together. We are working out a down payment plus monthly payments, with the tenants staying.
Read the Lake Wales storyAn owner who could not be there
A villa in a Poinciana golf community, an owner far away. We handled the paperwork under a limited power of attorney, so the title company had one clear contact.
Read the Kissimmee storyA number in writing, not a hope
The seller wanted a fixed net amount. We agreed on it in writing and took on the work of selling, with a limited power of attorney so he did not sign every document.
Read the Pensacola storyEach dot is a city where we closed. Hover or tap to see how many.
Proof, not promises
Where we have closed
28 closings in 23 Florida cities since September 2024, every one at a licensed Florida title company. We show the city, never the address.
28closings
23cities
17counties
2024closing since
Cities: North Fort Myers (2), Orlando (2), Port Charlotte (2), Spring Hill (2), Vero Beach (2), Cape Coral, Crestview, Daytona Beach, Deltona, Fort Myers, Fort Pierce, Haines City, Jasper, Lady Lake, Land O' Lakes, New Port Richey, North Port, Parrish, St. Cloud, St. Petersburg, Tampa, Wesley Chapel, Winter Haven.
Who we help
A house that does not fit the usual mold
We work with Florida owners when a regular listing does not fit. Pick your situation for a plain English guide.
What is going on with the house?
Where we would start
Behind on paymentsOptions that may bring the loan current before it goes further.Inherited a houseSell as is, without fixing, renting or managing it.Storm or water damageHard to insure or finance? We look at it as it stands.Tenants in placeSell a rented home with the tenants still living there.A low rate loanA low rate has value. Terms can keep it in place.Insurance droppedWhat to do when your policy is not renewed.DivorceA clear, neutral way to sell and split the proceeds.Mobile home with landOptions for manufactured homes on owned land.
Real homes, real Florida
Homes we have worked on across the state
Condos, cottages, mobile homes, lakefront and family homes. Every photo here comes from our own deals and portfolio, not a stock library.
NeighborhoodsSouthwest Florida · Golf and lake communities
CondoNavarre Beach · Beachfront condos
Single familyLee County · Lehigh Acres
Single familyCharlotte County · Port Charlotte
CottagePalm Beach County · West Palm Beach
Mobile homeWith land · Mobile homes
LakefrontPasco County · Wesley Chapel
Why HOMKEYS
What we can stand behind
Check us before you call: our Florida registration on Sunbiz (L24000335041), our Brickell office, and the licensed title company that holds the money. Here is what we promise.
More than one way to sell
Cash, subject-to, seller financing and a 1% listing. Many buyers offer only cash.
Every number in writing
You see the math behind each option, not just a total.
We explain the risks
Including the due on sale clause on a subject-to sale, before you sign anything.
A neutral title company
A licensed Florida title company closes every deal and handles the funds.
We tell you our plans
If we plan to resell or assign a contract, we say so before you sign.
A real Miami office
848 Brickell Ave, PH5. A registered Florida company since 2024.
We see the house first
We walk it with you in person, or by Zoom or video call if you prefer, before any offer.
A coordinator on every file
Julie M. tracks every document and date from signed contract to closing day.
Check any buyer, including us
Seven checks before you sign with anyone
Florida has honest buyers and bad ones. Run these checks on every offer you get. Here is how we answer each one.
The full guide: how to spot a bad home buyer- Is the company registered in Florida?Yes. HOMKEYS LLC, Sunbiz document L24000335041. Look it up on Sunbiz.
- Does a licensed title company hold the money?Yes, every sale. First International Title handles the funds, the title search and the deed. Ask them about us: Natia Johnson, escrow closer, 407-350-3338 ext. 5747, Natia.Johnson@firstintitle.com.
- Do they ask you for money?Never. Asking costs nothing, and you never pay us to make an offer.
- Is every number in writing?Yes. Your Side‑by‑Side shows the price, your costs and your net on each option.
- Will they tell you if they assign the contract?Yes. If we plan to resell or assign it, we tell you before you sign.
- Can your attorney read it first?Yes, every page, before you sign anything.
- Is there a real office?848 Brickell Ave, PH5, Miami, FL 33131. Call (305) 914-4191 or text us.
Who you talk to
Real people you can reach
HOMKEYS is led by CEO Dor Tzadok and co-owner Amir Sabag, with acquisitions manager Erick Roda meeting sellers across Florida and transaction coordinator Julie M. keeping every file on track to closing.
Hailey, our AI assistant, calls you between 8 AM and 8 PM, seven days a week, and hands you to a person whenever you ask.
Who we work with
The people around every closing
FIT
First International Title
Licensed Florida title and escrow. Handles the funds, the title search and the deed at closing.
Natia Johnson, escrow closer
13538 Village Park Drive, Ste. 120, Orlando, FL 32837
407-350-3338 ext. 5747 · License P183053
1%
Licensed listing brokerage
Our licensed Florida brokerage partner for 1% full-service MLS listings.
HJ
HomeJab
Professional listing photos, video and drone tours across Florida. Our referral link.
Visit HomeJabTC
Dedicated transaction coordinator
Julie M. tracks every document and date from signed contract to closing day.
Where we buy
We buy houses all over Florida
From the Panhandle to Southwest Florida. Each town page covers local prices and county offices.
- Fort Myers
- Port Charlotte
- Kissimmee
- Wesley Chapel
- Spring Hill
- Parrish
- Lake Wales
- Lake City
- Pensacola
- Dunnellon
- Pace
- Lakeland
- Sarasota
- Navarre
- Polk County
- Charlotte County
- Land in Florida
- All Florida areas
Do not see your town? We still buy there. See all the areas we buy. Selling land? We buy lots and acreage too.
Towns with a local guide
Seller guides
Know your options before you call anyone
Common questions
Straight answers
Start with a common question, or call us with your own.
No. Cash is one option. We can also buy subject to your current mortgage, buy with seller financing, or list your house on the MLS for a 1% fee through our licensed brokerage partner. We show you each option that fits your house so you can compare them. Subject to qualification, property inspection, and transaction terms.
We see the house first, in person, or by Zoom or video call if you prefer. Then we start with what similar homes nearby have sold for, and look at repairs, your loan balance, and the costs to buy, hold and sell. We show you that math in writing, and you can ask about any line.
It has real risks, and you should know them. The loan stays in your name, so missed payments would affect your credit. Most loans have a due on sale clause, which lets the lender ask for the full balance after a transfer. Please have a Florida real estate attorney review the deal.
It depends on the deal. Sometimes we keep the house, renovate it or rent it. Sometimes we resell it. If we plan to resell or assign the contract, we tell you before you sign.
Every cost is written into your options before you sign anything. On the 1% listing, the listing fee is 1% of the sale price, and buyer agent compensation is separate and negotiable.
A cash sale is usually the quickest, and a terms sale is often quick too. A listing takes longer because it depends on a buyer. We agree on a target closing date with you in writing, usually between 7 and 90 days out, and the title company sets the final schedule.
Check us first. HOMKEYS LLC is registered in Florida (Sunbiz document L24000335041), our office is at 848 Brickell Ave, PH5, Miami, and a licensed Florida title company holds the money and closes every sale. You never pay us anything to get your options.
We show you three options side by side, including a 1% listing that aims for full market price, with the math behind each. If cash is low for your house, your Side-by-Side shows it, and you can pick another option or say no.
Hailey is our AI assistant. She calls between 8 AM and 8 PM, seven days a week, asks a few questions about the house, and hands you to a person on our team whenever you ask.
We use it to prepare your options and to reach you about this house. We do not sell your information, and you can reply STOP to any text. Read our privacy policy for the details.
No. You get your options in writing first. Your attorney can read every page before you sign, and if you say no, we stop calling.
Often, yes. If you need time to move, it can be written into the agreement. One seller in Pace kept 30 days in the home after closing.
Qualified sellers can get up to $15,000 before closing, in a written agreement, paid back from the sale at closing. If an advance is not a fit, we still help with your move and with finding your next home.
Want to see your own numbers?
Tell us about the house. We will put cash, terms and a listing side by side, in writing, at no cost.
Call (305) 914-4191Text usSay no anytime
Subject to qualification, property inspection, and transaction terms. Equal Housing Opportunity. HOMKEYS LLC does not give legal or tax advice. Listing services are provided by our licensed brokerage partner.