Sell your house · Emerald Coast, FL
Whatever’s Going On,We’ll Buy Your House.
Foreclosure, back taxes, probate, divorce, or a listing that didn’t sell. We buy Emerald Coast homes for cash or on terms, and you choose what works.
No obligation · No fees or commissions when we buy · Closes with a Florida title company
Path 1 · Speed
“I need it sold fast.”
A fair cash offer for the house as-is. Best for foreclosure, back taxes, probate, divorce, or a house that needs work.
Get a cash offer →Path 2 · Price
“I need my price.”
We pay at or near your number and change how it’s paid. Best when your listing expired or you can’t afford to drop the price.
See how you can get your price →Whatever you’re facing
Life doesn’t wait for the market.
Most people call us because something changed. Here’s what we help sellers with most, and which option usually fits.
Facing foreclosure
Behind on payments, or a sale date on the calendar? A cash sale can move quickly, so you can sell before the deadline and move on.
See your options →
Behind on property taxes
Back taxes and liens are typically paid off from the sale at closing, so they stop growing and you don’t pay them out of pocket.
Usually: cash offer →
Tax deed sale coming
If your home is headed to a tax deed auction, time matters. A sale has to close before the auction, so call as early as you can.
Usually: cash offer →
Inherited a house
Probate, an estate, or a house full of belongings? We work with heirs and their attorneys, and buy as-is, so nobody has to clean out or fix up.
Usually: cash offer →
Going through a divorce
One clear written offer you can both review with your attorneys, and a closing date that lets both of you move on.
Cash or your price →
Your listing expired
Months on the market and no deal? We can often pay at or near your price by changing how it’s paid.
Usually: get your price →
Not enough equity to cut the price
If dropping the price means bringing money to closing, we can buy without you cutting your price.
Usually: get your price →
Thinking about renting it out
Before you become a landlord or pay a property manager, see why selling to us is the easier way to cover the payment.
Usually: get your price →
We’re not attorneys. If you’re facing foreclosure, a tax deed sale, probate or divorce, we encourage you to talk with one too. We’re happy to work alongside them.
Two ways to sell to us
Fast cash, or your price. You choose.
We’ll show you both in writing, side by side, so you can pick the one that fits your situation.
When speed matters
A fair cash offer
For when you need it sold, period.
- Sold as-is: no repairs, cleaning or showings
- No commissions or fees when we buy
- Liens, back taxes and past-due payments paid off from the sale at closing
- Close on your timeline, including fast when there’s a deadline
When price matters
Get your price
For when you need your number, not a discount.
- Subject-to: we take over your payments
- Hybrid: we take over the loan, and your equity is paid in full when our buyer gets their mortgage
- Seller financing: you’re paid over time instead of all at once
- Lease-option: your payment covered now, full price later
Cash, get your price, or list: side by side
There’s no single right answer. Here’s how the options compare, so you can pick what fits your situation.
| Cash offer | Get your price | List with an agent | |
|---|---|---|---|
| Price | A fair cash price, as-is | At or near your number | Whatever the market pays |
| How you’re paid | All at closing | Over time, on a written schedule | At closing, minus costs |
| Commissions | None | None | Typically 5–6% |
| Repairs & showings | None | None | Repairs, staging, showings |
| Timeline | As fast as 2 weeks | Usually 2–4 weeks | Months, if it sells |
| Best when | Speed matters most | Price matters most | You have equity and time |
Timelines are typical, not guaranteed. If listing is truly your best option, we’ll tell you.
How it works
We talk
A 15-minute call about the house, the loan, and what you need to walk away with.
We run the numbers together
We look at your payoff, equity and timeline, and show you what each option really nets.
You get offers in writing
A cash offer and a get-your-price offer, side by side. Take your time, and have your attorney review them.
Close at a title company
A licensed Florida title company handles the closing and the paperwork, on the date you pick.
Just got off the phone with us?
Check us out before you sign anything
You should verify anyone who wants to buy your house. Here’s everything you need to do it in five minutes, without taking our word for it.
Florida real estate license
Hayes Mercure, license SL3505820. Active, on file with the state.
Verify on the state’s DBPR site →Registered Florida company
We buy through Bean Home Holdings, LLC, an active Florida LLC.
Verify on Sunbiz →Real reviews
“Hayes was amazing to work with. Could not have been more helpful, knowledgeable, and kind.” C. Nelson
Read reviews →Your attorney, a title company
Every purchase closes through a licensed Florida title company, with recorded documents. We encourage you to have your own attorney review the contract.
Who you’re dealing with
I’m Hayes. I live here, and I answer my own phone.
I’m a single dad in Niceville. I’ve been a licensed Florida real estate agent since 2021 and a real estate investor since 2023, and I’m certified through the Creative Finance Real Estate Association.
I started Bean Home Buyers because I kept meeting good people whose houses didn’t fit the traditional sale, and nobody was showing them another way. My promise is simple: I’ll show you every option, including the ones where I don’t buy your house, and I’ll put everything in writing.
Free seller guide
How to Sell Without Dropping Your Price
Subject-to, seller financing, hybrids and lease-options explained in plain English, with short videos and the honest tradeoffs of each.
Read the Guide →Questions sellers ask us
How fast can you close for cash?
As fast as about two weeks, depending on title. If there’s a foreclosure sale, tax deed auction or other deadline, tell us on the first call so we can plan around it.
I’m behind on payments or facing foreclosure. Is it too late?
Not necessarily, but time matters. A sale has to close before the foreclosure sale date, so call as early as you can. We’ll tell you straight whether we can help, and we recommend talking with a Florida attorney too.
Can you buy a house with back taxes or a tax deed sale coming?
Yes. Back taxes and liens are typically paid from the sale at closing. If a tax deed sale is scheduled, the sale has to close before the auction, so call right away.
Can you buy an inherited house that’s in probate?
Yes. We work with heirs, personal representatives and probate attorneys. The estate may need court approval before closing, and we can make an offer and wait for that process.
We’re getting divorced. How does that work?
Usually both owners need to sign. We give you one written offer you can both review with your attorneys, and close on a date that works for both of you.
Is selling “subject-to” legal?
Yes. It’s a recorded sale that closes through a title company. Most mortgages have a “due-on-sale” clause that lets the lender call the loan due when the home is sold; we walk you through what that means and how it’s handled before you sign anything.
What if you stop making payments?
We keep a cash reserve set aside for the mortgage payments on every home we buy this way, so a slow month on our end doesn’t become a missed payment on yours. Your contract spells out how payments are made, and because the loan is in your name, you can check its status with your lender anytime.
Why would you pay more than a cash buyer?
Because paying over time is worth money to us. It lets us offer a price we could never pay in cash, so you don’t have to take the discount.
Are you my real estate agent?
No. When we buy your house, we’re the buyer, not your agent, and we’ll tell you that in writing too. Hayes is a licensed Florida agent, which means he’s held to the state’s rules, but in these deals he represents himself.
See your options in writing
Tell us about the house. We’ll call within 1 business day.
No obligation. Prefer to talk? Call or text Hayes at (850) 750-9700.
For agents
Got a listing that won’t sell?
We work with agents. Bring us your stale or underwater listings, and we can make an offer at your seller’s price, paid over time.
Partner with us →
Hayes Mercure is a Florida licensed real estate sales associate (SL3505820) with eXp Realty. When Bean Home Holdings, LLC buys your property, it acts as a principal buying for its own account, not as your real estate agent. Nothing on this site is legal, tax or financial advice; please consult your own attorney and CPA. Example figures are illustrations, not offers. Every agreement is in writing, and terms vary by property.