Damaged Property Specialist
Fire Home Buyers
A New Jersey company that buys fire and smoke damaged homes as-is for cash. If your home was damaged and you are also behind on the mortgage, this combination is worth understanding, because it can sometimes resolve both problems at once.
Our relationship with them: none. We are not paid by Fire Home Buyers, we are not affiliated with them, and we receive nothing whether you contact them or not. They are listed because they may fit some situations. They specialize in a situation most buyers avoid, but get other offers too, and we would encourage you to. Nothing on this page is an appraisal, a valuation, or advice to accept any particular offer.
What a recommendation here means
Recommendations come from two things. First, years of placing New Jersey homeowners with these specific companies by hand and seeing how each one actually handled the situation. Second, matching your answers against what each company handles: property condition, price range, service area, and how quickly it can close, verified against their own site. Nothing is ranked by payment, because nobody pays us. This is our judgement from experience, not a guarantee of what any company will offer you, so compare before you commit.
You will not find testimonials, star ratings, or success statistics here yet. Not for lack of homeowners helped, but because that work was done privately over years and we never asked permission to publish anyone's story. We are collecting that permission properly from now on. When there is enough, we will publish what actually happened, including the cases that did not work out.
Call Fire Home Buyers directly
1-866-297-8976
This is Fire Home Buyers's own number, published on their site. You will reach them, not us.
Who This Is Actually For
After a fire, most homeowners face the same fork: restore the property or sell it. Restoration takes months, requires the insurance settlement to actually cover the work, and means living somewhere else while it happens. Selling ends the problem faster but usually means accepting less than a restored home would bring.
Fire Home Buyers exists for the second path. They buy in whatever condition the property is in, which means no repairs, no cleanup, no showings, and no waiting for a buyer who is willing to take on fire damage. According to their site they have been buying, restoring, and reselling fire damaged property for over twelve years and they purchase in all twenty-one New Jersey counties.
Good fit
Fire or smoke damage, repairs are not realistic, you want certainty and a date
Poor fit
Damage is cosmetic, you have time and money to restore, or you want maximum price
If You Are Also Behind on the Mortgage
This is the situation most people do not realize they are in. A fire damages the home, the insurance claim takes time, payments fall behind while the household is displaced, and foreclosure starts moving in the background. Two separate emergencies, running on two separate clocks.
The part worth understanding is that an insurance settlement and a sale can work together. Your mortgage lender generally has a claim on insurance proceeds for the damaged property, and depending on the settlement amount and what you owe, proceeds plus sale proceeds can sometimes pay off the loan balance and end the foreclosure. Sometimes there is money left over for you, and sometimes there is not.
Whether that math works depends entirely on your numbers, your policy, and your lender. Before you accept any offer, have someone independent look at it.
Questions to ask before you accept any offer
- What is the total amount I will receive after the service charge, repair deduction, and closing costs?
- How does this offer interact with my insurance claim, and who receives the settlement?
- Will the proceeds fully satisfy my mortgage balance, and will my lender release the lien?
- If there is a shortfall, am I still responsible for it?
- Is there a deadline or pressure to decide, and what happens if I take a week to think about it?
How Their Process Works
Request an offer
You submit details about the property and the damage through their site.
Offer within 24 hours
They state they respond within 24 hours, and that their offer is based on comparable sales they share with you.
You choose the closing date
They let you pick the close date so you are not forced into a double move or a gap in housing.
On their pricing: Fire Home Buyers states that a service charge, repair costs, and closing costs are deducted at close, so you pay nothing out of pocket. Deducted still means it comes out of your proceeds, so ask for the net figure in writing rather than the headline number. That is true of any cash buyer, not a criticism of this one.
Not Sure If This Fits Your Situation?
Take the free assessment. If keeping the home is realistic, it will tell you that first. If selling makes more sense, it will show you where to go, including options that pay us nothing.
NJ Foreclosure Guide is an independent educational resource. We have no affiliation, referral relationship, or financial arrangement of any kind with Fire Home Buyers. We are not a law firm, lender, real estate brokerage, or public adjuster. Details on this page are drawn from Fire Home Buyers' public website and may change. Confirm all terms directly with them, and consider having an attorney review any offer before you sign.