How Selling Your Saint Paul House Works
Seven plain steps, from your first message to closing. You always know what happens next, and nothing moves forward until you decide.
- Ryan Is Your Contact One named person coordinates your inquiry
- As-Is Option Eligible homes, no renovation project required
- Written Offer Outline Price, costs, contingencies and responsibilities in writing
- Twin Cities Roots Ryan grew up in Shoreview
From Inquiry to Closing
- Step 1
Inquiry
You share the property address, your contact details and a short description: condition, occupancy and what you want to accomplish. The form takes a few minutes, and nothing is decided at this stage.
- Property address
- Preferred contact method
- A brief description of the situation
- Step 2
Conversation
Ryan talks with you about the home's condition, who lives there, your goals and the timing you have in mind. He also explains whether the property looks like a fit for the buying criteria.
- Condition and known issues
- Occupancy: owner, tenant or vacant
- Your goals and preferred dates
- Step 3
Review
If the home looks like a fit, Ryan arranges a walkthrough or another suitable way to evaluate it. You do not need to clean or stage first; the point is to see the home as it is.
- Walkthrough or remote evaluation
- No cleaning or staging needed
- Access arranged around you and any tenants
- Step 4
Documentation
Ryan reviews relevant property information, such as title, TISH or city status, leases, liens, permits or estate papers, depending on the situation.
- Title and liens
- City status: TISH, vacant building, permits
- Leases, estate papers or HOA documents if relevant
- Step 5
Offer
You receive a written outline of the proposed price, seller-paid expenses, contingencies, target closing date and responsibilities, plus what remains subject to review.
- Proposed price
- Seller-paid costs and deductions
- Contingencies, closing date and who does what
- Step 6
Decision
You ask questions, compare the offer with listing or other options, and talk it over with family or advisers. There is no obligation to accept.
- Time to compare
- Questions answered in writing
- No pressure to decide
- Step 7
Closing
If you accept, the agreed steps and schedule are coordinated through to closing, typically through a title company. Remote signing may be available if you have moved.
- Agreed steps and schedule
- Title company closing
- Remote or mail-away signing where available
What You Receive in Writing
The written outline is the heart of the process. It lets you compare an as-is sale with listing, or with another buyer's offer, line by line.
- The proposed price
- Seller-paid expenses and any deductions
- Contingencies and what they mean for you
- The target closing date and possession date
- Who is responsible for what before and after closing
- What remains subject to review, such as title or city status
Want to know what to look for in any purchase agreement? Read understanding costs and responsibilities.
How Is a Cash Offer Worked Out?
Every offer is property-specific. These are the factors Ryan reviews, and each one is shown to you in writing.
Location and comparable sales
Recent sales of similar homes nearby, adjusted for size, style and condition.
Current condition
What the walkthrough or evaluation shows today, including systems, roof and foundation.
Repair estimates
The likely cost of the work a buyer would take on after closing.
Value after improvements
An estimate of what the home could sell for once repairs are done.
Transaction and holding costs
Closing costs, taxes, insurance and utilities while work is completed.
Occupancy and title
Tenants, belongings, liens, estate authority or other title issues.
Selling As-Is Directly vs. Listing on the Market
Listing often brings a higher gross price for homes in good shape. A direct as-is sale trades some price for less preparation. Here is how the process differs.
| What changes | Direct as-is sale with Ryan | Traditional listing |
|---|---|---|
| Repairs and updates | Eligible homes can be sold in current condition. Repair costs are reflected in the offer instead. | Often done before listing to attract retail buyers and lenders. You fund and manage the work. |
| Showings | A walkthrough or other suitable evaluation with Ryan. | Public showings and open houses while the home is on the market. |
| Buyer financing | A direct purchase does not depend on a retail buyer's mortgage approval. Terms and any contingencies are listed in writing. | Many buyers need a mortgage and appraisal, which can affect price and timing. |
| Saint Paul TISH evaluation | Still applies where city rules require it. The offer explains how any listed items are handled. | Ordered before marketing. Buyers may negotiate over listed items. |
| Likely price | May be below a renovated home's retail price, because repairs, costs and the buyer's margin are built in. | Often higher for homes in good condition. Commissions, repairs and holding time narrow the gap. |
| Selling costs | Seller-paid costs are itemized in the written offer outline. | Typically include agent commission and closing costs. Confirm with your agent and title company. |
| Timing | Preferred dates are discussed up front and fit to title, city and lender requirements. | Depends on prep work, time on market and the buyer's financing. |
Comparison describes general process differences, not promised results. Your costs, timing and proceeds depend on the property and the written terms. Try the repair-or-sell worksheet with your own numbers.
Questions About the Process
How long does the process take?
It depends on the property, title, city requirements and your preferred dates. Ryan discusses timing early and puts the target closing date in writing rather than promising a fixed timeline up front.
Do I need to clean or repair anything before the walkthrough?
No. The walkthrough is to understand the home as it is. Remove documents and valuables you want to keep safe.
What does the written offer include?
The proposed price, seller-paid expenses, contingencies, target closing date, responsibilities and anything that remains subject to review.
Is a TISH evaluation still needed?
Selling as-is does not automatically remove Saint Paul's Truth-in-Sale of Housing requirement. Check current DSI guidance. Ryan explains how any listed items are handled.
Can I back out after receiving the offer?
You are not obligated to accept an offer. Once you sign a purchase agreement, its terms and contingencies govern, so read them carefully and ask questions first.
Who handles the closing?
Closings are typically handled by a title company, which manages the deed, payoffs and settlement statement.
Still have a question about your property?
Ask Ryan directly. There is no obligation and no pressure to decide.
Talk With Ryan
Ready to Start With Step One?
Share the address and a few details. Ryan will explain whether the home fits the buying criteria and what comes next.
- Written offer outline
- No obligation to accept
- One local contact: Ryan