What we take on after a fire
You don't need to clean the house, repair fire damage, or haul debris to sell it to us. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
You can tell us what happened and discuss a sale before taking on a restoration or cleanout project. Follow the safety directions for the actual property; do not enter if officials have restricted access or said the structure is unsafe.
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 what was damaged and what you know about access, the claim, and the mortgage. We discuss the property, give you a written offer and written terms before you commit, and close through a title company. We give written cash offers in 24 hours.
You can ask questions and compare the written terms with rebuilding or listing before you decide. You do not have to finish cleanup first.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us about the damage, access, and any claim or mortgage details you have.
Local safety and property-record help
For a fire-safety or building question, follow the directions from the officials responsible for the property and use the contact on any notice. Before cleanup, repairs, or demolition, ask the municipality responsible for the address whether permits or inspections apply. Do not enter a structure officials have said is unsafe.
For a recorded-deed or real-estate-record question, the Monroe County Register of Deeds is the county records office. It is not the building-safety or permit office.
Compare rebuilding with selling as-is
Compare written repair and cleanup estimates, debris removal, costs while you decide, and the work you want to take on with the written offer and terms. Include the mortgage payoff and any other property-specific amounts in your comparison. Ask your insurer and mortgage servicer how their requirements apply to your claim; a sale does not establish an insurance payout.
When you sell to us, we pay the closing costs. When you sell to us, we pay the Wisconsin real estate transfer fee. This does not pay your mortgage, liens, back taxes, or your share of current property taxes.
The Sparta calculator lets you compare possible sale proceeds using your own planning assumptions. It is an estimate, not an insurance claim estimate or a property-specific offer.
Just an estimate — the actual number could be more or less depending on the home's condition.
Fire-damaged house questions
Can I sell a fire-damaged house in Sparta, WI?
Yes. USA Home Buyers buys houses as-is in Sparta, WI and Monroe County. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Who keeps the insurance proceeds if I sell?
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 if the house is unsafe or the work may need a permit?
Follow the directions for the property from the responsible fire or building officials and utility provider. Do not enter an area officials have restricted or said is unsafe. Before cleanup, repairs, or demolition, ask the municipality responsible for the address whether permits or inspections apply.
What happens after I contact USA Home Buyers?
Tell us what was damaged and what you know about access, the claim, and the mortgage. We discuss the property, give you a written offer and written terms before you commit, and close through a title company. We give written cash offers in 24 hours.
Should I rebuild or sell the house as it stands?
Compare written repair and cleanup estimates, debris removal, property costs while you decide, and the work you want to take on with the written offer and terms. For insurance proceeds and mortgage requirements, confirm how they apply to your claim with your insurer and mortgage servicer.
Which closing costs do you pay?
When you sell to us, we pay the closing costs. When you sell to us, we pay the Wisconsin real estate transfer fee. This does not pay your mortgage, liens, back taxes, or your share of current property taxes.
Seller reviews
Testimonials are real, from our transactions, verified and approved by our attorneys. Each review keeps the seller's location with their words.
What sellers say about USA Home Buyers
Here's what sellers have said about working with us.
“Pierce Manufacturing transferred me to their Bradenton, Florida facility. I had eight weeks to get to Florida. My house on the Westside needed a few updates but I wasn't going to spend the summer on that. USA Home Buyers gave me a number in twenty-four hours. I said yes and closed in eleven days. I made it to Bradenton two weeks early.”
“After the plant I worked at outside Oshkosh restructured and cut my position, I was behind on payments within three months. The lender filed in Winnebago County Circuit Court. By that point I had a judgment date looming. USA Home Buyers had a written offer in twenty-four hours and we closed in thirteen days. The judgment was dismissed.”
“The Winnebago County divorce required the house sold before settlement could be finalized. We'd lived in Menominee Park for sixteen years — good memories, but we needed to move on. One written offer from USA Home Buyers, both signed it in the same afternoon, closed in fourteen days.”
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address and the details you know about the house.
Prefer to talk? Call 888-274-5006.