What we take on
You do not need to clean out the house, arrange repairs, or haul fire debris before selling to us. We buy the property in its current condition, including smoke or fire damage and contents left behind.
We can discuss the damage and what officials allow you to access. If they have restricted entry or work, follow their directions before entering or arranging cleanup.
Insurance proceeds and your mortgage
We buy the house exactly as it stands, and you keep your insurance proceeds.
If you still have a mortgage, your lender may have a say in how that check is used — we'll walk through it with you.
For a Concord property, New Hampshire allows a city lien on some unpaid insurance proceeds only if the current assessment is too low to cover repair, teardown, or removal and you own no other real estate in the state. The lien is based on the least costly option minus the value left in the property, and a court must approve it. It applies only to proceeds still held by the insurer after it receives the city's order and lien estimate. Recorded lienholders and a mortgage lender named as an additional insured or loss payee have priority; proceeds above the lien go to you. This narrow rule does not automatically hold back every claim. Read New Hampshire RSA 155-B:9-a.
What happens next
We discuss the damage, safe access, and your timing with you. You get a written offer and written terms before you commit, and we close through a title company.
Close as fast as 7 days when title and closing details allow.
When you sell to us, we pay the closing costs, including New Hampshire real estate transfer tax. No agent commissions when you sell to us. No fees. Your mortgage balance, liens, back taxes, and share of current property taxes are separate.
Call 888-274-5006 or use the form to talk about the property.
Concord safety, building, and permit contacts
Do not enter if officials have restricted access or the structure may be unsafe. Follow directions for the property from fire or building officials, your utility provider, and your insurer before entering or starting work.
- For fire-related questions, start with the City of Concord's Fire Department and its Fire Prevention page. The City also lists fire prevention permits on its Fire Department permits page.
- Concord's Building Safety Division reviews plans submitted with building permit applications and issues permits for building, electrical, plumbing, mechanical, and demolition work. Its building applications and fees page has permit information.
Compare rebuilding with selling as-is
Compare the written sale terms with the remaining repair work, cleanup and debris costs, permits, and the time and carrying costs of rebuilding.
The calculator can help compare estimated sale proceeds with the costs you enter. Just an estimate — the actual number could be more or less depending on the home's condition.
Compare estimated Concord sale proceeds and costs in the calculator →What our sellers say
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Questions about selling a fire-damaged house
Can I sell a fire-damaged house in Concord, NH?
Yes. USA Home Buyers buys houses as-is in Concord, NH and Merrimack County. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Can Concord claim any of my fire-insurance proceeds?
For a Concord property, New Hampshire allows a city lien on some unpaid insurance proceeds only if the current assessment is too low to cover repair, teardown, or removal and you own no other real estate in the state. The lien is based on the least costly option minus the value left in the property, and a court must approve it. It applies only to proceeds still held by the insurer after it receives the city’s order and lien estimate. Recorded lienholders and a mortgage lender named as an additional insured or loss payee have priority; proceeds above the lien go to you. This is not an automatic holdback on every fire claim.
Do I need to clean up or repair the house before selling to you?
No. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
What if Concord has issued an unsafe-building or repair notice?
Yes, we can consider a house with an unsafe-building or repair notice. An as-is sale does not cancel the order or deadline; we can discuss what it means for the sale.
What happens after I ask for an offer?
We discuss the damage, safe access, and your timing with you. You get a written offer and written terms before you commit, and we close through a title company.
How can I compare rebuilding with selling as-is?
Rebuilding means weighing contractor estimates, cleanup and debris costs, permits the City says apply, and the time and carrying costs against the written sale terms. The calculator is an estimate — the actual number could be more or less depending on the home's condition.
Talk with us about your Concord property
USA Home Buyers buys houses as-is in Concord, NH and Merrimack County. Call 888-274-5006 or share the property details in the form.
We give written cash offers in 24 hours.
Share what happened and any access limits.