What we take on
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You do not need to arrange restoration or haul away fire debris before asking about a sale. Tell us what happened and what parts of the property officials allow you to access; we review the house as it stands.
If the structure may be unsafe or officials have restricted entry, stay out and follow their directions. Do not start cleanup, repairs, or demolition until you have confirmed what is safe and permitted.
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
- 1. Tell us about the damage. Share what happened, what you know about the house, and any limits on entering the property.
- 2. Review the written terms. We'll give you a written cash offer within 24 hours. We provide a written offer and written terms before you commit.
- 3. Decide whether the terms work for you. If you choose to sell, closing is through a title company.
When you sell to us, we pay the closing costs, including North Carolina's excise tax on conveyances. Your mortgage balance, liens, back taxes, and share of current property taxes are separate.
Wilmington-area building safety and permit contact
If a fire has left the house unsafe or access is restricted, stay out and follow the directions for that property. Before cleanup, repairs, or demolition, confirm which government handles the address and whether permits or inspections apply.
New Hanover County Building Safety handles county permit, inspection, and code-enforcement-information requests. Contact the office at 230 Government Center Drive, Suite 170, Wilmington, NC 28403, or 910-798-7308. The County is a starting point; confirm which government handles the actual address before relying on this office for a City of Wilmington property. New Hanover County Inspections →
Compare rebuilding with selling as-is
Compare written repair and debris-removal estimates, any permit or inspection steps for the address, and the time and carrying costs of rebuilding with the written sale terms. Ask your insurer and mortgage servicer how their requirements apply to your claim and loan rather than guessing at an insurance payment.
The calculator compares estimated listing proceeds with an as-is sale using editable assumptions. Use your own repair, cleanup, and carrying-cost figures when you compare options. Just an estimate — the actual number could be more or less depending on the home's condition.
Compare Wilmington sale estimates →Questions and contact
Call 888-274-5006 to talk through the damage, or use the form below.
Testimonials are real, from our transactions, verified and approved by our attorneys.
What sellers say about USA Home Buyers
Read Wilmington-area seller reviews →
Fire-Damaged House in Wilmington, NC — Common Questions
Can I sell a fire-damaged house in Wilmington, NC?
Yes. USA Home Buyers buys houses as-is in Wilmington and New Hanover County, North Carolina. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Do I need to clean up, repair, or haul debris first?
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.
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?
If the structure may be unsafe or officials have restricted entry, stay out and follow directions from the responsible fire and building officials. Before cleanup, repairs, or demolition, confirm that the work is safe and ask which permits or inspections apply to the property address.
What happens after I ask for an offer?
Tell us about the damage and any access limits. We'll give you a written cash offer within 24 hours. Written offer and written terms before you commit; title-company closing.
How can I compare rebuilding with selling as-is?
Compare written repair and debris-removal estimates, applicable permits or inspections, and carrying costs with the written sale terms. Ask your insurer and mortgage servicer how their requirements apply to your claim and loan; do not assume a particular insurance payment.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us what happened, what damage you know about, and whether access is restricted.