What we take on after a fire
The damage and debris can stay with the house. You don't have to arrange cleanup, finish repairs, or haul anything away before selling to us.
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. We'll talk through the house and timing. You get a written offer and written terms before you commit, and we close through a title company.
Close as fast as 7 days when title and closing details allow.
When you sell to us, we pay the closing costs. No agent commissions when you sell to us. No fees.
Your mortgage payoff, liens, back taxes, and share of current property taxes are separate.
Missouri deed-recording fees
Missouri's Constitution bars state, county, and local governments from imposing new taxes on a real-estate sale or transfer after December 2, 2010. Recording the deed still costs money: Missouri law sets a $24 fee for the first page and $3 for each additional page, plus per-document fees. The title company confirms the exact recording charges.
Missouri Constitution, Article X, Section 25 →Missouri deed-recording fee →Recorder user fee →Additional recording fee →
Wildwood fire safety and permit help
If fire or building officials have told you not to enter, stay out and follow their directions. For a City of Wildwood property, the Planning Department starts zoning review for permitted work, and St. Louis County handles building-plan review and inspections. Wildwood Code Enforcement can help with City code, grading, or safety concerns.
Wildwood building permits → Wildwood inspections → Wildwood Code Enforcement →
Not sure which permit question applies to your house? Call us — we'll sort it out with you.
Compare rebuilding with selling as-is
Compare repair, cleanup, debris-removal, and rebuilding costs and time with your written sale terms. Use the Wildwood calculator to estimate possible sale proceeds.
Compare estimated Wildwood sale proceeds →Questions and contact
Call 888-274-5006 to talk through the damage, or use the form above to share the address and what happened.
Questions about selling a fire-damaged house in Wildwood
Can I sell a fire-damaged house in Wildwood as-is?
Yes. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
What happens to my insurance proceeds if I still have a 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.
Do I have to clean up, repair, or haul debris before selling?
No. You don't have to clean up, repair the fire damage, or haul debris before selling to us.
What happens after I contact USA Home Buyers?
We talk through the damage and timing. You get a written offer and written terms before you commit, and we close through a title company. Close as fast as 7 days when title and closing details allow.