No Commissions
You won't pay any real estate commissions, and we cover your closing costs.
Sell a Fire-Damaged House in St. Louis
We buy fire-damaged houses for cash, from smoke damage to houses that are badly burned. No cleanup or repairs, and close on the date you choose.
- Close in as little as 7 days
- Sell as-is, in any condition
- No commissions, closing costs covered
Get Your Cash Offer
Four quick fields. Free and no obligation.
Why St. Louis Homeowners Sell to Us
Everything that slows a traditional sale down, removed.
Sell As-Is
No repairs, no cleaning, no showings. We buy the house exactly as it sits today.
You Pick the Date
Close in as little as 7 days, or later if you need time to plan your move.
Local and Family-Owned
A St. Louis team buying with our own funds for over 10 years. We don't just make offers. We close.
Sell a Fire-Damaged House in St. Louis
If you need to sell a fire-damaged house in St. Louis, we buy fire-damaged houses for cash, as-is. Whether it was a small kitchen fire or the house is badly burned and boarded up, you don’t have to clean it out, repair it, or wait on contractors. We can close in as little as 7 days, or on a date you choose, and we cover your closing costs.
We’re Swift Home Buys, a local, family-owned home buyer that has worked with St. Louis-area homeowners for over 10 years. We know a fire is one of the hardest things a family can go through, and we’ll keep this as simple as we can.
Why Fire-Damaged Houses Are Hard to Sell
Most buyers need a mortgage, and lenders generally won’t finance a house with major fire damage until it’s repaired. That leaves a traditional sale with two options: rebuild first, or wait for a cash buyer. Rebuilding means contractors, permits, and months of carrying costs on a house you can’t live in.
Smoke, water, and hidden damage
Fire damage rarely stops at what burned. Smoke gets into walls and ductwork, and the water used to put the fire out can soak floors, drywall, and the basement. Buyers’ inspectors find all of it. We expect it, and we factor it into our offer up front instead of renegotiating later.
Insurance and your options
If you have an open insurance claim, talk with your insurance company about how selling the house affects it. Some owners use the insurance money to rebuild and then sell. Others would rather take a cash offer and move on. Both are reasonable, and it’s 100% your decision. This isn’t legal or insurance advice, so ask your insurer or an attorney about your specific policy.
What to do right now
- Make sure the house is secured if it’s vacant, so it doesn’t invite break-ins or more damage.
- Keep your fire report and insurance paperwork together. They help with the sale.
- You don’t need to remove burned belongings or debris before selling to us.
How a Sale to Us Works
Tell us about the house, we visit once, and you get a no-obligation cash offer with our math explained. Our offers are below full market value because we take on the repairs and the risk, and we’ll always be upfront about that. Then you pick the closing date. See the full process on our How It Works page, or learn more about selling a house as-is.
We buy fire-damaged houses across St. Louis City, St. Louis County, St. Charles County, and Jefferson, Franklin, and Lincoln counties.
Who Really Buys Fire-Damaged Houses?
After a fire, it’s common to get letters and calls from companies offering to buy the house. Many are wholesalers who don’t plan to buy it themselves. They tie it up under contract and try to resell that contract, and if no one bites, you’ve lost weeks. Ask whether they’re buying with their own money and closing through a title company. We do both. Read Don’t Be Fooled by Advertising for the warning signs.
Cash Sale vs. Listing With an Agent
Both can be the right call. Here's what changes when speed matters most.
| Topic | Swift Home Buys | Listing With an Agent |
|---|---|---|
| Commissions and fees | None | Agent commission plus seller closing costs |
| Repairs and cleaning | None, sell as-is | Usually expected before listing or after inspection |
| Showings | One short visit | Open houses and repeated showings |
| Time to close | As little as 7 days, on your date | Often two to three months from listing |
| Financing risk | None, we buy with our own cash | The buyer's loan can fall through |
Have a move-in-ready house and time to wait? Listing may get you more, and we'll tell you so. See the full comparison.
Our Simple 4-Step Process
Selling your house to Swift Home Buys is quick and simple.
Get My Cash Offer-
Tell Us About Your Property
Share a few details online, or call or text us.
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Set an Appointment
We visit once to see the house and meet you in person.
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Get a Fair Offer
A no-obligation, all-cash offer, with our math explained.
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Close the Deal
You choose the closing date and get cash in hand.
Read What Our Clients Are Saying
Real reviews from St. Louis-area homeowners who sold to us.
Selling a Fire-Damaged House: Your Questions
Do you buy houses with severe fire damage?
Yes. We buy fire-damaged houses in any condition, from smoke damage in one room to houses that are badly burned and boarded up.
Do I have to clean out the house first?
No. You don’t need to remove debris or burned belongings before selling to us.
Can I sell if I have an open insurance claim?
Often, yes. Talk with your insurance company about how a sale affects your claim before you decide. This isn’t insurance or legal advice.
How fast can I sell a fire-damaged house?
We can close in as little as 7 days, or on a later date you choose.
Do I pay commissions or closing costs?
No. You won’t pay real estate commissions, and we cover the closing costs. Any mortgage or liens are paid off from the sale at closing.
How do you decide your offer on a fire-damaged house?
We look at the location, the extent of the damage, the cost to rebuild, and what comparable repaired houses nearby have sold for, and we explain exactly how we got to our number.
Ready to Sell Your House?
Get your fair, no-obligation cash offer and pick the closing date that works for you.