What we take on
You can sell without arranging cleanup, repairs, or debris hauling first. We buy fire-damaged houses exactly as they stand, so you do not have to restore the property before selling to us.
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.
What happens next
Tell us what happened and we'll talk through the damage with you. We give written cash offers in 24 hours. 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.
Your mortgage, liens, back taxes, and share of current property taxes are separate balances.
No fees. No agent commissions when you sell to us.
Effingham safety, repairs, and permits
Stay out if the structure may be unsafe or officials have restricted access. Follow directions from fire officials and utility personnel.
For a City of Effingham address, the City's Building and Zoning division reviews plans, issues permits, and inspects permitted work as it progresses. See the City building and construction permits page If the house is outside city limits and you're not sure which office handles the work, call us — we'll sort it out with you.
If a City notice or repair order is involved, tell us about it. See Effingham code-violation and repair questions.
Compare rebuilding with selling as-is
A rebuilding budget may include cleanup, repairs, debris removal, and the time and costs of carrying the house during the work. The calculator compares a possible listing price with estimated proceeds after the costs you enter.
Compare estimated Effingham sale proceeds with the calculator →
What our sellers say
“My renters skipped out in the middle of my rental property needed 20k in work sold it to these guys instead good people”
“bought a fixer upper in akron and ran out of money place was torn down to the studs they took it off my hands and saved my credit highly recommend”
“Got ripped off by a roofer... didn't have the money to finish the job... they bought it with a tarp on the roof and didn't blink...”
Questions about selling a fire-damaged Effingham house
Can I sell a fire-damaged house in Effingham, IL?
Yes. USA Home Buyers buys fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. We buy houses as-is in the City of Effingham and throughout Effingham County, Illinois.
Can I enter the house after a fire?
Stay out if the structure may be unsafe or officials have restricted access. Follow directions from fire officials and utility personnel.
Who handles permits for a City of Effingham property?
The City of Effingham Building and Zoning division reviews plans, issues permits, and inspects permitted work. Its building and construction permits page is linked above.
Who pays Illinois closing costs and transfer taxes?
Your mortgage, liens, back taxes, and share of current property taxes are separate balances. When you sell to us, we pay the closing costs, including the Illinois state, county and city transfer taxes.
Talk with us about the house
Call 888-274-5006 or use the form to describe the damage and ask for a cash offer.
We give written cash offers in 24 hours.
Share the address and what you know about the house.