What we take on after a fire
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris. You do not have to clear the house or finish repairs before selling it to us.
Tell us what happened and what you know about the damage. You can discuss an as-is sale while the damage is still there; you do not need to start restoration first. If officials have restricted access or the structure may be unsafe, do not enter and follow their directions.
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 happened and what you know about the damage, access, and timing.
- We discuss the property as it stands and give you a written cash offer and written terms before you commit.
- If you choose to proceed, a title company handles the closing.
You can call now even if you have not arranged cleanup or gathered every record.
When you sell to us, we pay the closing costs, including Minnesota deed tax and applicable Hennepin or Ramsey County Environmental Response Fund tax. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate.
St. Paul safety, building, and permit contacts
If the structure may be unsafe or officials have restricted access, stay out and follow directions for the property. Before cleanup, debris removal, repairs, or demolition, ask the City what safe access and permits or other approvals apply to that address and work.
Saint Paul Department of Safety and Inspections lists 375 Jackson Street, Suite 220, Saint Paul, MN 55101 and 651-266-8989 for City inspection, vacant-building, and Fire Certificate of Occupancy inquiries. Confirm service access and address-specific requirements with the City.
Compare rebuilding with selling as-is
If you are considering rebuilding, compare written repair and cleanup estimates, debris removal, any permits the City says apply, and the time and costs of keeping the property with the written sale terms. Use the actual figures for your house; do not guess at a repair cost or insurance payment.
The St. Paul home-sale calculator compares estimated listing proceeds with an as-is sale using your own assumptions. It is an estimate — the actual number could be more or less depending on the home's condition.
Compare St. Paul sale proceeds with your own numbers →Questions and contact
Call 888-274-5006 or use the form to tell us about the house and damage.
Fire-damaged house questions
Can I sell a fire-damaged house in St. Paul, MN as-is?
Yes. USA Home Buyers buys houses as-is in St. Paul, Minnesota and Ramsey County. We buy fire-damaged houses 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?
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell 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.
Should I enter or start work on a fire-damaged house?
Do not enter if officials have restricted access or the structure may be unsafe. Follow directions for the property from fire and building officials, utilities, and your insurer. Before cleanup, debris removal, repairs, or demolition, ask the City what access rules and approvals apply to the actual address and planned work.
What happens after I tell you about the fire damage?
We discuss the damage and the property as it stands, then give you a written cash offer and written terms before you commit. If you choose to proceed, a title company handles the closing.
Is the linked Google rating specific to St. Paul?
No. The linked Google profile and rating are for USA Home Buyers as a company, not a St. Paul-only score.
Company reviews
The linked Google profile and rating are for USA Home Buyers as a company, not a St. Paul-only score.
What sellers say about USA Home Buyers
Talk through a St. Paul fire-damage sale
Call 888-274-5006 or share the property details through the form.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us what happened and what you know about the damage and access.