What we take on
You can ask about selling with the fire damage still in place. You do not need to clean the house, repair it, or haul away debris before selling to us. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
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
- We talk with you about the fire damage and the property.
- You get a written offer and written terms before you commit.
- If you choose to sell to us, we close through a title company.
When you sell to us, we pay the closing costs, including New York State real estate transfer tax and any applicable local real estate transfer taxes. Your mortgage, liens, back taxes, and share of current property taxes are separate.
Local help for safety, repairs, and permits
If fire or building officials have restricted entry, stay out and follow their instructions.
For a property in the City of Oneonta, contact the City's Code Enforcement page about local building-code and inspection questions.
Otsego County lists the City of Oneonta and the separately governed Town of Oneonta as distinct municipalities. Not sure which covers your house? Call us — we'll sort it out with you. See the County's municipal information.
Compare rebuilding with selling as-is
Rebuilding means taking on cleanup, repairs, and time. Compare those costs and the ongoing cost of the house with the written terms for an as-is sale.
The Oneonta calculator estimates sale proceeds with assumptions you can change. Compare that estimate with rebuilding costs.
Compare estimated Oneonta sale proceeds →
Questions about selling after a fire
Fire-Damaged House in Oneonta, NY — Common Questions
Can I sell a fire-damaged house in Oneonta without repairing it?
Yes. USA Home Buyers buys fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. You do not need to clean out or repair the house to sell to us.
Do I keep my insurance proceeds if you buy the house?
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 or start repairs after a fire?
If fire or building officials have restricted entry, stay out and follow their instructions.
What happens after I ask about an offer?
We discuss the damage and property with you, then provide a written cash offer and written terms before you commit. If you choose to sell to us, the closing is handled through a title company.
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.”
We give written cash offers in 24 hours.
Tell us about the damage and any current safety or access instructions. We will discuss written terms before you commit.