What we take on
We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. You do not have to clean out the house, repair it, or haul debris before selling to us. Tell us what you know about the damage and access; do not go inside to check if officials have restricted entry.
Insurance proceeds and mortgage requirements
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 damage you know about, and whether officials have limited access.
- We provide a written cash offer and written terms before you commit.
- If you choose to proceed, a title company handles the closing and confirms the property-specific closing details.
When you sell to us, we pay the closing costs, including Alabama's deed tax. Your mortgage balance, liens, back taxes, and share of current property taxes are separate.
Mobile safety, inspection, and permit contacts
Do not enter a fire-damaged structure that has not been cleared as safe. Follow the fire department, building official, utility, and insurer directions for the actual property. For a property within the City of Mobile, contact Build Mobile about inspections, code cases, and which permit or historic-development review may apply. Confirm the property's jurisdiction before relying on city requirements.
Build MobileGovernment Plaza Building, 205 Government Street, 3rd Floor, South Tower
Mobile, AL 36602
(251) 208-5895
Compare rebuilding with selling as-is
Put a written repair or rebuilding estimate next to the written sale terms. Consider your insurer's and mortgage servicer's instructions, any applicable safety or permit steps, debris removal, time, and carrying costs. If you compare with listing, look at what you may keep after repairs, commissions, and other sale costs—not just a possible sale price.
Use the Mobile home-sale calculator to compare estimated listing proceeds with an as-is sale using your own assumptions. Just an estimate — the actual number could be more or less depending on the home's condition.
Seller reviews
Testimonials are real, from our transactions, verified and approved by our attorneys. These are sellers' experiences from the locations shown, not Mobile fire-damage case studies.
Questions about selling a fire-damaged Mobile house
Can I sell a fire-damaged house in Mobile, AL?
Yes. USA Home Buyers buys fire-damaged houses as-is in the City of Mobile and Mobile County, Alabama. We buy the house exactly as it stands — no cleanup, no repairs, no hauling debris.
Do I keep my 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.
Can I enter or start cleanup after a fire?
Do not enter a structure that officials have not cleared as safe or where access is restricted. Follow the fire department, building official, and utility directions for the actual property. For a City of Mobile property, ask Build Mobile which inspections or permits apply before starting work.
What happens after I ask about an offer?
Tell us what happened and what you know about the damage and access. We give you written cash offer terms before you commit, and a title company handles the closing if you decide to proceed.
How should I compare rebuilding with selling as-is?
Compare a written repair or rebuilding scope, your insurer and mortgage servicer instructions, any applicable city inspection or permit steps, carrying costs, and the written sale terms. The Mobile calculator lets you compare estimated listing proceeds with an as-is sale using your own assumptions.
Questions or ready to talk?
Call USA Home Buyers at 888-274-5006 or send us the property details below. You can call now, even if you are still working through the damage or insurance questions.
We give written cash offers in 24 hours.
Tell us what happened and what you know about the property and access.
We'll give you a written cash offer within 24 hours.