What we take on
You do not have to clean the house, make repairs, or haul away debris before selling to us. We buy the house in its current condition, including fire damage, so you can ask about a sale before taking on cleanup or restoration work.
You keep your insurance proceeds
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 fire damage, access, and your timing. We give written cash offers in 24 hours. Written offer and written terms before you commit; title-company closing.
You can call to talk through the property, then compare the written terms with your other options.
Sacramento safety, building, and permit contacts
Do not enter a structure that may be unsafe or where officials have restricted access. Follow instructions from fire and building officials, your insurer, and utility providers. Before cleanup, repairs, demolition, or reoccupancy, ask the City what permits or inspections apply to this property and work. These City resources are for properties within Sacramento city limits; for another address, check with the building authority for that jurisdiction.
- City of Sacramento Building Inspections → for inspection and building-permit information.
- City of Sacramento Permit Services → for permit questions and services.
- Housing and Dangerous Buildings → for City information about unsafe, substandard, or vacant structures.
Compare rebuilding with selling as-is
Compare contractor estimates, debris and cleanup costs, any permits or inspections the City says apply, time away from the property, and carrying costs with the written sale terms. Ask your insurer and mortgage servicer how their requirements apply to your claim and loan.
When you sell to us, we pay the closing costs, including the county documentary transfer tax and any city transfer tax. Your mortgage balance, liens, back taxes, and share of current property taxes are separate.
Use the Sacramento calculator to compare estimated listing proceeds with an as-is sale estimate. Adjust the assumptions for the costs you expect to take on.
Just an estimate — the actual number could be more or less depending on the home's condition.
Compare estimated sale proceeds with the Sacramento calculator →Real seller reviews
Testimonials are real, from our transactions, verified and approved by our attorneys.
What sellers say about USA Home Buyers
Questions about selling a fire-damaged house
Can I sell a fire-damaged house in Sacramento, CA?
Yes. USA Home Buyers buys houses as-is in Sacramento and Sacramento County, including fire-damaged houses. 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.
Do I have to clean up, repair, or haul debris first?
No. 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 to sell it to us.
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 begin cleanup after a fire?
Do not enter if the structure may be unsafe or officials have restricted access. Follow directions from the responsible fire and building officials, insurer, and utility providers. For a property within Sacramento city limits, ask the City which permits or inspections apply before cleanup, repairs, demolition, or reoccupancy. For another address, ask the building authority with jurisdiction.
What happens after I ask about an offer?
Tell us about the damage, access, and what you know about the insurance claim and mortgage requirements. We give written cash offers in 24 hours. You receive written offer and written terms before you commit; title-company closing.
Talk through a Sacramento fire-damage sale
Call 888-274-5006 or share the property details in the form.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.
We'll give you a written cash offer within 24 hours.