You do not have to clean up or repair first
We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. You do not have to clean out or make the house presentable before selling to us. Tell us what was damaged and whether officials have limited access.
You keep your insurance proceeds
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
Let's talk about what was damaged, any limits on safe access, and what you know about the claim and mortgage. We'll give you a written cash offer within 24 hours. You get the written offer and terms before you commit. If you choose to sell to us, we close through a title company.
Local safety and permit questions
Do not enter until the officials responsible for the property say it is safe. The City of Hays Planning and Development Division handles zoning and subdivision matters within the city and its extraterritorial jurisdiction area. If you're unsure where to ask about permits or inspections, call us — we'll sort it out with you.
For local permit questions, start with the City's Planning and Zoning page for zoning and subdivision information.
Compare rebuilding with selling as-is
Compare the written offer with your estimates for repairs, cleanup, time, and the costs of listing. A possible sale price is not the same as what you would keep. When you sell to us, we pay the closing costs. Your mortgage balance, liens, back taxes, and share of current property taxes are separate.
Use your own assumptions with the calculator. It is an estimate; the actual number could be more or less depending on the home's condition.
Compare Hays sale options with the net-proceeds 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.”
Fire-Damaged House Questions
Can I sell a fire-damaged house in Hays, KS?
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. USA Home Buyers buys houses in Hays and Ellis County, Kansas.
What happens to my insurance proceeds if I sell?
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.
Can I enter or start cleanup after a fire?
Wait until the officials responsible for the property say it's safe before entering. The City of Hays Planning and Development Division handles zoning and subdivision matters within the city and its extraterritorial jurisdiction area.
What should I tell you about the fire damage?
Call us with the address and what was damaged. If officials have restricted access, let us know. You can call even if you don't know every detail yet.
What happens before I commit to an offer?
We'll give you a written cash offer within 24 hours. You receive written offer terms before you commit, and closing is through a title company.
How can I compare rebuilding with selling as-is?
Compare the written offer with your own estimates for repairs, cleanup, time, and the costs of listing. A possible sale price is not the same as what you would keep; use the Hays calculator with your own assumptions.
We give written cash offers in 24 hours.
Share the address and what you know about the fire damage.