What we take on after a fire
Fire damage can leave cleanup, repairs, and debris behind. You do not have to restore the house, clean it out, or haul debris before selling to us. We buy the property as it stands, and you can tell us what you know about the damage without doing the cleanup first.
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
- Tell us what happened and what you know about the damage, access, or any notices.
- We discuss the house with you and give you written terms before you commit.
- If you choose to proceed, closing is through a title company.
Local safety and permit questions
If officials have restricted entry or the structure may be unsafe, stay out and follow directions for the property. For repairs or rebuilding, contact the local building office to ask which permits and inspections apply.
Lincoln County Building Inspection describes staged inspections for permitted work, including a final inspection and a certificate of occupancy. See Lincoln County Building Inspection's guidance and ask what applies to the work you are considering.
Compare rebuilding with selling as-is
Put written repair or rebuilding estimates beside the written sale terms. Consider the work and time involved and the costs of keeping the property while work is underway. When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax. Your mortgage balance, liens, back taxes, and share of current property taxes remain separate.
Use the calculator to compare possible sale proceeds with your own assumptions. Its result is an estimate, not a rebuilding bid or an insurance payout.
Compare estimated Stanford sale proceeds with the calculator →
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.”
Questions about selling a fire-damaged Stanford house
Can I sell a fire-damaged house in Stanford, KY?
Yes. USA Home Buyers buys fire-damaged houses in Stanford and Lincoln County, Kentucky, 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. 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 clean up the house after a fire?
If officials have restricted entry or the house may be unsafe, stay out and follow the directions for that property. You do not have to clean up, repair, or haul debris before selling to us.
What happens after I ask about selling?
Tell us what happened and what you know about the damage or access. We discuss the house with you, give you written terms before you commit, and close through a title company if you choose to proceed.
How can I compare rebuilding with selling as-is?
Compare written repair or rebuilding estimates with the written terms for an as-is sale. Consider the work, time, and property costs while you decide, along with requirements from your insurer, mortgage servicer, or local officials. The calculator is for estimates, not an insurance payout or rebuilding bid.
Talk with us about the house
Call 888-274-5006 or use the form to tell us about the damage and ask for a cash offer.
We give written cash offers in 24 hours.
Share the address and what you know about the house and fire damage.