What we take on
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You do not have to arrange restoration, clean out belongings, or haul fire debris before discussing a sale. Tell us what you know about the damage and we can talk about the house as it stands.
You keep your insurance proceeds
We buy the house exactly as it stands, and you keep your insurance proceeds.
Confirm how the proceeds and any mortgage requirements apply to your claim with your insurer and mortgage servicer.
What happens next
Tell us what happened, what areas officials say are safe to access, whether utilities are available, and what you know about the insurance claim and mortgage. You can discuss the property without finishing repairs first.
We provide a written offer and written terms before you commit, and close through a title company.
Local safety, repair, and permit questions
Do not enter a fire-damaged structure until the responsible fire or building officials say it is safe. Follow instructions for the actual property from officials, utilities, and your insurer. Before cleanup, repairs, demolition, or rebuilding, ask the authority responsible for the property which permits or inspections apply to the address and planned work.
For a property inside Johnson City, the Johnson City Code Enforcement page is a starting point for city code contacts. Johnson City spans Carter, Sullivan, and Washington counties; if the property is outside city limits, check with the local authority responsible for its address.
Compare rebuilding with selling as-is
If you are weighing repairs against a sale, compare contractor estimates, your insurer's claim instructions, mortgage requirements, any permit or inspection steps, and the time and costs of carrying the property. Then compare those with written sale terms. We buy the house as it stands, so you do not have to complete cleanup or repairs to sell it to us.
When you sell to us, we pay the closing costs, including Tennessee's realty transfer tax. Your mortgage, liens, back taxes, and share of current property taxes are separate.
Use the Johnson City calculator to compare a listing estimate with what you might keep after costs. Change the assumptions to fit the property and costs you are considering.
Just an estimate — the actual number could be more or less depending on the home's condition.
Compare estimated Johnson City sale proceeds with the calculator →Testimonials are real, from our transactions, verified and approved by our attorneys. Each seller's location is shown with their review.
What sellers say about USA Home Buyers
Fire-Damaged House Questions
Can I sell a fire-damaged house in Johnson City, TN?
Yes. USA Home Buyers buys houses as-is in Johnson City and Carter, Sullivan, and Washington counties. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Do I keep the insurance proceeds if I sell?
We buy the house exactly as it stands, and you keep your insurance proceeds. Confirm how the proceeds and any mortgage requirements apply to your claim with your insurer and mortgage servicer.
Do I have 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. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Can I enter the house or begin cleanup after a fire?
Do not enter a fire-damaged structure until the responsible fire or building officials say it is safe. Follow instructions for the actual property from officials, utilities, and your insurer, and check which permits or inspections apply before starting work.
Where can I check local code or permit questions?
For a property inside Johnson City, start with the city’s Code Enforcement information and ask the responsible city department what applies to the address and planned work. If the property is outside city limits, check with the authority responsible for that address.
What happens after I ask about an offer?
Tell us what happened, what damage you know about, and any access limits. We give you a written cash offer within 24 hours, provide written terms before you commit, and close through a title company.
We give written cash offers in 24 hours.
Tell us what happened and what you know about the damage and access.
We'll give you a written cash offer within 24 hours.