What we take on
You do not have to arrange cleanup, repairs, or debris hauling before selling to us. We buy the house exactly as it stands.
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 what you know about the damage or access.
- We discuss the house with you. You get a written offer and written terms before you commit, and we close through a title company.
Murray building safety, repairs, and permits
If fire or utility officials have restricted access, stay out until they say it is safe. The City of Murray's department directory has a building-permit application and contacts for its Building Department and Planning & Engineering. Not sure which office to call? Call us — we'll sort it out with you.
Compare rebuilding with selling as-is
Compare the written sale terms with the likely cost of repairs, cleanup, and debris removal, plus the time and carrying costs of rebuilding.
The calculator lets you compare estimated sale proceeds using your own assumptions. Its result is a planning estimate, not a property-specific offer.
Compare estimated Murray sale proceeds →What our sellers say
Questions about selling a fire-damaged house
Can I sell a fire-damaged house in Murray or Calloway County?
Yes. USA Home Buyers buys houses as-is for cash in Murray and Calloway County, Kentucky. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Do I need to clean, repair, or remove debris before selling?
No. We buy fire-damaged houses exactly as they stand. You do not need to clean up, make repairs, or haul debris to sell to us.
What happens to my insurance proceeds if I have a 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?
If fire or utility officials have restricted access, stay out until they say it is safe.
Where can I find Murray building-permit information?
The City of Murray department directory links to a building-permit application and contacts for the Building Department and Planning & Engineering.
What happens after I ask about an offer?
Tell us what happened and what you know about the damage and access. We discuss the house with you. You get a written offer and written terms before you commit, and we close through a title company.
Talk with us about the house
Call 888-274-5006 or use the form to tell us about 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.