California law requires sellers to complete a Transfer Disclosure Statement (TDS) disclosing known material defects, though vacant properties sold in as-is condition to investors carry reduced disclosure burdens compared to owner-occupied sales. Home Helpers requests disclosure of known foundation issues, environmental hazards, and title defects, but we purchase properties with undisclosed conditions and assume risk of unknown defects. Your transparency helps us provide accurate valuations, but non-disclosure of cosmetic or minor issues does not void our purchase commitment.

Home Helpers covers all closing costs, title insurance fees, escrow charges, and recording fees. You receive net sale proceeds with zero deductions beyond any seller-elected payoffs such as existing mortgages or property tax arrears. We do not charge assignment fees, transaction fees, or processing charges. The cash offer we present is the amount wired to your account at closing after only mandatory payoffs.

We purchase fire-damaged, water-damaged, and mold-affected properties throughout Fresno at adjusted valuations reflecting remediation costs and permitting requirements. Properties with partial structure loss, smoke damage, or flood history qualify for purchase. Our offer accounts for demolition expenses if repair exceeds economic feasibility. Fresno homes red-tagged after fire or declared uninhabitable remain eligible at salvage value.

Our valuation begins with recent comparable sales in your Fresno neighborhood, adjusted for as-is condition using itemized repair cost estimates from licensed contractors. We subtract deferred maintenance costs, code compliance expenses, holding costs during renovation, and our purchase-to-resale margin. Typically 15–20% of after-repair value. You receive a written breakdown showing comparable sales data, repair cost assumptions, and how we calculated your net offer.

Home Helpers purchases pre-foreclosure properties in Fresno when sufficient equity exists to pay off the defaulted loan and provide you with proceeds. We coordinate short-sale negotiations with lenders when loan payoff exceeds property value, though lender approval timelines extend closing to 60–120 days. Contact us immediately upon receiving a Notice of Default. Earlier contact provides more options to avoid foreclosure sale and credit damage.

We purchase both improved properties and vacant residential lots in Fresno, though our primary focus remains single-family homes and small multifamily buildings. Vacant lots zoned for residential development qualify for purchase when located in Fresno city limits or developable county areas. Agricultural land and commercial parcels fall outside our standard purchase program.

We open escrow with a Fresno title company within 24 hours of your acceptance, order a title report to identify any liens or encumbrances, and schedule a property walkthrough to confirm condition matches our evaluation. You receive a purchase agreement, preliminary title report, and estimated closing statement within 3–5 business days. Our team coordinates signing appointments and handles all communication with the title company through closing day.