What we take on after a fire
Smoke cleanup, repairs, and debris may still be ahead, but you can sell without restoring the house or arranging debris removal first.
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. We talk through the house and timing. You get a written offer and written terms before you commit, and we close through a title company.
Close as fast as 7 days when title and closing details allow.
When you sell to us, we pay the closing costs. No agent commissions when you sell to us. No fees.
Safety and permit questions
If fire or building officials have told you not to enter, stay out and follow their directions. You can talk with us without entering the property.
For permit, plan-review, or inspection questions about a house in O'Fallon city limits, contact the City Building Division at 636-379-5660.
O'Fallon Building and Permits → Call us and we'll sort out which office covers the house with you.
Missouri deed and closing costs
Missouri's Constitution bars new state and local taxes on the sale or transfer of real estate after December 2, 2010. Deed recording still has state-law fees: $5 for the first page and $3 for each additional page, plus per-document fees. The title company or closing professional confirms the exact recording charges. Read the Missouri Constitution, Article X, Section 25, and state laws for deed-recording fees, recorder user fees, and additional recording fees.
When you sell to us, we pay the closing costs. No agent commissions when you sell to us. No fees. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate.
Compare rebuilding with selling as-is
Compare your written sale terms with the repair, cleanup, debris-removal costs, and time you expect if you rebuild. The calculator lets you estimate possible sale proceeds using your own assumptions.
Compare estimated O'Fallon sale proceeds →Questions about selling a fire-damaged O'Fallon house
Can I sell a fire-damaged house in O'Fallon as-is?
Yes. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Do I have to clean up or repair the house before selling?
No. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
What happens to my insurance proceeds and mortgage 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 the house or start cleanup after a fire?
If fire or building officials have told you not to enter, stay out and follow their directions. You can talk with us without entering the property.
How soon can we close on a fire-damaged house?
You get a written offer and written terms before you commit, and we close through a title company. Close as fast as 7 days when title and closing details allow.
What our sellers say
Talk through the fire damage
Tell us what happened and what you know about the house. Call 888-274-5006 or use the form above.