What we take on
You do not have to clean out the house, repair fire or smoke damage, or haul away debris before selling to us. Tell us what happened and what parts of the property can be safely accessed; we review the house in its current condition.
If fire or building officials or your utility have restricted access, follow their directions. An as-is sale does not change instructions about entering the property or doing work there.
Insurance proceeds and your mortgage
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 about the damage, the Raleigh address, and what you know about safe access.
- We discuss the property and give you a written cash offer and written terms before you commit.
- If you choose to proceed, a title company handles the closing.
We'll give you a written cash offer within 24 hours.
When you sell to us, we pay the closing costs, including North Carolina's excise tax on conveyances. Your mortgage, liens, back taxes, and share of current property taxes are separate.
Call 888-274-5006 or use the form to ask for a written cash offer. You can call while you are still sorting through the damage or records.
Safety, permits, and local property-record contacts
Do not enter a house that may be unsafe or where officials have restricted access. Follow directions from the fire or building officials responsible for the property and its utility provider. Before cleanup or repairs, ask the authority responsible for the address what access and permit requirements apply to the planned work. The City of Raleigh's official website is a starting point for finding city contacts.
- City of Raleigh official website → building-safety and permit questions
- Wake County Register of Deeds → deed and real-estate-record questions
- Wake County Tax Administration → real-estate and property-tax information
- Durham County Register of Deeds → deeds and real-estate records
- Durham County Tax Administration → real-property and tax information
Raleigh's city geography crosses Wake and Durham counties. Use the property address to choose a county records or tax office. County links are orientation only; they do not determine fire safety or which permits apply to a property.
Compare rebuilding with selling as-is
Compare a contractor's written repair scope and estimates, debris-removal costs, any permits the responsible office says apply, and the cost of keeping the house during repairs with the written sale terms. Ask your insurer and mortgage servicer how their requirements apply to your claim and loan; do not assume an insurance payment or repair cost.
The Raleigh calculator can help compare a listing with an as-is sale using your planning assumptions. Its result is an estimate, not a property-specific insurance or repair figure.
Compare Raleigh sale proceeds with your own numbers →Questions and contact
Fire-damaged house questions
Can I sell a fire-damaged house in Raleigh, NC?
Yes. USA Home Buyers buys fire-damaged houses in Raleigh, North Carolina, and in Wake and Durham counties exactly as they stand — no cleanup, no repairs, no hauling debris.
Do I have to clean up, repair, or haul debris before selling to you?
No. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. You can ask about a sale before arranging a cleanout or restoration work.
What happens to my 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.
Can I enter the house or start cleanup after a fire?
If fire or building officials or your utility have restricted access, follow their directions. Do not enter a structure that may be unsafe. Before cleanup or repairs, confirm what access and permits apply to the actual property and planned work.
What happens after I ask for an offer?
We discuss the damage and what you know about access. We'll give you a written cash offer within 24 hours, with written terms before you commit. If you choose to proceed, a title company handles the closing.
How can I compare rebuilding with selling as-is?
Compare a contractor’s written repair scope and estimates, debris-removal costs, any permits the responsible office says apply, and the cost of keeping the house during repairs with the written sale terms. Ask your insurer and mortgage servicer how their requirements apply to your claim and loan; do not assume an insurance payment or repair cost.
Which county office should I use for a Raleigh property record or tax question?
Raleigh’s city geography crosses Wake and Durham counties. Use the property address and the record or tax question to identify the appropriate county office; the county links on this page are orientation, not a parcel-specific determination.
Testimonials are real, from our transactions, verified and approved by our attorneys. Each review keeps its stated location.
What sellers say about USA Home Buyers
Call 888-274-5006 or share the property details in the form. You can call now, whether or not you are ready to sell.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us about the property, the damage, and the questions you want to compare.