What we take on when you sell as-is
You do not have to clean out the house, arrange repairs, or haul away fire debris before selling to us. We buy fire-damaged houses exactly as they stand, so you can discuss a sale without first restoring the property.
Your insurance proceeds and 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 the address, what was damaged, and any limits on entering the property.
- We give you a written cash offer within 24 hours.
- You receive written offer terms before you commit. If you choose to sell, closing is through a title company.
When you sell to us, we pay the closing costs, including Vermont's property transfer tax and Clean Water Surcharge. Your mortgage, liens, back taxes, and share of current property taxes remain separate.
Middlebury safety, repairs, and permit questions
If officials or utility personnel have restricted access, follow their directions for the actual property. Do not enter a structure that may be unsafe. Before cleanup, repairs, demolition, or debris work, check which permits or inspections apply to that address and work.
For a property in the Town of Middlebury, the Town's Planning & Zoning page lists permit and inspection contacts. The Town also provides a Certificate of Compliance request process; ask the Town what applies to the actual property. For an address outside the Town, contact the local authority responsible for that address.
Compare rebuilding with selling as-is
Put contractor estimates for repairs, cleanup, and debris removal beside the written terms for an as-is sale. Also consider permits or inspections officials say apply, the time needed for the work, and the cost of keeping the property while rebuilding. Ask your insurer and mortgage servicer how their requirements apply to your own claim and loan; no general estimate can tell you what your insurer will pay.
The calculator can help you compare a possible listing value with estimated proceeds after the costs you enter. Use assumptions that fit your house and the work you are considering.
Compare Middlebury sale proceeds with the home-sale net proceeds calculator →
Questions about selling after a fire
Fire-Damaged House Middlebury VT — Common Questions
Can I sell a fire-damaged house in Middlebury, VT?
Yes. USA Home Buyers buys fire-damaged houses as-is in the Town of Middlebury and Addison County, Vermont. We buy them exactly as they stand — no cleanup, no repairs, no hauling debris.
Do I need to clean up, repair, or haul debris before selling?
No. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Who keeps the insurance proceeds, and what about my 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.
Can I enter the house or start repairs after a fire?
Follow directions from the fire department, building official, utility, and other officials responsible for the actual property. Do not enter a structure that may be unsafe or assume cleanup or repairs are permitted. Check permit and inspection requirements with the local authority before starting work.
What happens after I ask about an offer?
Tell us what was damaged and any access limits you know about. We give you a written cash offer within 24 hours, provide written offer terms before you commit, and close through a title company if you choose to proceed.
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.”
Talk with us about the fire-damaged house
Call 888-274-5006 or use the form to tell us what happened.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address and what you know about the damage and access.