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Terms and Conditions

Effective Date: October 7, 2026
Last Updated: October 7, 2026

These Terms and Conditions (“Terms”) govern your access to and use of ibuyhouseswithfiredamagealbuquerque.com (the “Website”) and services offered through the Website by I Buy Houses With Fire Damage Albuquerque (“we,” “us,” or “our”).

By accessing the Website, submitting property information, requesting an offer, or otherwise interacting with our services, you agree to these Terms and acknowledge our Privacy Policy.

1. Purpose of the Website

The Website allows property owners and authorized representatives to submit information concerning real estate they may wish to sell, including:

Depending on the property and transaction, we may:

Nothing displayed on the Website constitutes a binding offer to purchase real estate.

2. Our Role

The Website presently markets our business principally as a direct cash purchaser of fire-damaged property in Albuquerque.

Depending on the transaction, we may act as:

Our actual role depends on the transaction documents and conduct.

Unless separately and lawfully established, we do not act as your:

3. Direct Purchase Model

Where we seek to purchase property for our own account:

4. No Obligation to Sell

Submitting information or requesting an offer does not obligate you to sell.

A Website submission is an inquiry and is not a purchase agreement.

You may reject a proposed offer unless and until you enter into a legally enforceable transaction agreement.

5. No Obligation to Purchase

Submitting property information does not require us to:

6. Eligibility and Authority

By using the Website or submitting property information, you represent that:

Submission by one co-owner does not necessarily authorize that person to bind every owner.

7. Agents, Wholesalers, and Other Representatives

The Website’s property form permits a submitter to identify as:

If an agent, wholesaler, contract holder, attorney-in-fact, trustee, personal representative, or other representative submits property information, that person is responsible for having lawful authority to do so.

Nothing on the Website authorizes:

8. Property Research

We may research:

9. Property Assessments

An acquisition evaluation may include:

An evaluation conducted for our acquisition purposes is not automatically an inspection or professional report performed for the seller’s benefit and is not a warranty concerning property condition.

10. Preliminary Offers

Any preliminary:

is non-binding unless included in a legally enforceable written transaction agreement.

A preliminary offer may change after due diligence.

11. Offer Methodology

Potential offers may take into account:

No particular valuation method, purchase price, or financial result is guaranteed.

12. Binding Transactions

A binding real estate transaction arises only when applicable parties execute legally enforceable transaction documents.

Closing may depend on:

13. New Mexico Does Not Have One Universal Statutory Residential Condition Questionnaire

New Mexico does not impose one universal statewide statutory residential property-condition questionnaire that every private seller of an existing home must complete in every ordinary resale.

This differs from states that mandate a specific statutory seller form in nearly every one-to-four-unit resale.

Seller obligations in New Mexico may instead arise from:

14. Known Latent or Material Defects

New Mexico law recognizes that silence or nondisclosure can support fraud or rescission when circumstances create a duty to speak concerning known material facts.

A seller therefore should not:

15. Fire Damage Can Be Material

Fire, smoke, firefighting water, heat, demolition, and incomplete restoration can create material conditions involving:

16. Licensed New Mexico Broker Duties

New Mexico Real Estate Commission rules require licensed brokers to provide written disclosure of adverse material facts actually known by the broker concerning:

A broker’s duty is separate from whether a private seller is subject to a particular standardized disclosure form.

17. Current NMAR Property Disclosure Form

The New Mexico Association of REALTORS® maintains an Adverse Material Facts Property Disclosure Statement that may be used contractually in transactions involving its forms.

That form is not one universal state-mandated seller questionnaire applicable to every private sale.

However, the current 2026 NMAR form expressly addresses:

Where the parties’ transaction documents require that form, those contractual obligations should be followed.

18. No Duty Created Merely by This Website to Commission an Inspection

New Mexico does not impose one universal rule requiring every seller of a fire-damaged residence to commission:

before selling the property.

Such inspections can nevertheless be prudent or required by:

19. No Universal Fire-Document Package

New Mexico does not impose one universal requirement that every residential seller automatically provide every:

to every purchaser.

A particular document may nevertheless be:

20. Property-Tax Estimate Disclosure

New Mexico has a separate statutory residential property-tax disclosure that is important even where no standardized property-condition form is required.

Before accepting an offer to purchase qualifying residential property, the seller or seller’s broker generally must:

21. Buyer Acknowledgment of Property-Tax Estimate

Where a buyer’s broker receives the estimate, the broker generally must promptly provide it to the prospective buyer.

The prospective buyer generally acknowledges receipt in writing.

The estimate is not a guarantee of the actual future tax levy.

22. Property-Tax Disclosure Waiver

A prospective buyer may waive the property-tax estimate disclosure by signing a written waiver before the offer is made where the required estimate is not readily available.

The waiver should not be assumed merely because the transaction is:

23. Homeowners-Association Disclosure

If property is subject to a homeowners association governed by New Mexico’s Homeowner Association Act, the seller generally must obtain and provide the required association disclosure certificate to the purchaser no later than seven days before closing, subject to statutory exceptions.

24. HOA Purchaser Cancellation Right

A purchaser who receives a qualifying Homeowner Association Act disclosure certificate generally has seven days after receipt to cancel the purchase contract.

Cancellation under the statute is without penalty, and qualifying payments generally must be refunded within the statutory period.

A fast cash closing should therefore account for applicable association-disclosure timing.

25. As-Is Transactions

The Website advertises purchases in present or “as-is” condition.

“As-is” may mean that the purchaser will not require the seller to repair the property before closing.

It does not automatically eliminate:

26. No Universal Requirement to Repair Before Sale

New Mexico does not impose one statewide rule requiring every fire-damaged home to be fully repaired before it can be sold.

A damaged property may potentially be sold as-is.

Separate:

may nevertheless affect the property.

27. Albuquerque Building and Trade Permits

The City of Albuquerque’s Building Safety Division issues permits and performs inspections for residential and commercial construction, additions, remodeling, and regulated trade work.

Depending on the scope of restoration, fire-damaged property may require:

28. Permit Responsibility

Albuquerque states that licensed contractors or qualifying homeowners must obtain required permits before beginning work.

The person performing or arranging work should determine which permits are required before repairs begin.

29. Rental Properties and Contractors

For homes leased or rented to others, Albuquerque currently requires a licensed contractor to obtain the permit for covered work.

A property investor should therefore not assume that every homeowner self-permit pathway will apply to a rental or investment property.

30. Electrical, Plumbing, and Mechanical Work

Albuquerque maintains additional requirements for homeowner electrical and plumbing/mechanical permits.

Where a homeowner seeks certain permits personally, City testing requirements may apply.

A licensed contractor may be required where those requirements are not met.

31. Demolition Permits

Albuquerque requires a formal demolition-permit process for covered demolition work.

Current City procedures can require:

A property acquisition does not itself authorize demolition.

32. Unsafe Buildings

A fire-damaged structure may be deemed unsafe if it:

City officials may issue orders concerning:

A sale does not automatically cancel such an order.

33. Cleanup and Restoration

The Website states that cleanup and recovery may be handled as part of its service.

Any:

must comply with applicable contractor licensing, environmental, worker-safety, disposal, permit, and other requirements.

Nothing in these Terms represents that we personally perform regulated contractor work unless legally authorized.

34. Inspections and Due Diligence

An as-is or direct cash transaction does not prevent a purchaser from conducting due diligence permitted by the purchase agreement.

Due diligence may include:

35. Fast Offer and Closing Claims

The Website advertises:

These statements describe intended or possible transaction timing and are not guarantees.

Actual timing may depend on:

36. Fair, Competitive, and “Maximum Value” Claims

The Website uses language describing offers as:

Those statements should not be interpreted as guarantees that:

The executed purchase agreement controls the actual price.

37. No Agent Commissions and Hidden Fees

Where the seller completes a genuine direct purchase transaction without a listing broker, a conventional listing-agent commission may not apply.

If a licensed New Mexico real estate professional participates, compensation obligations will be determined by applicable:

38. New Mexico Real Estate Licensing

New Mexico generally regulates persons who perform specified real estate services for another and for compensation or other consideration.

Regulated conduct can include:

A single regulated act can be sufficient to implicate licensing requirements.

39. Principal Purchaser and Owner Exemption

New Mexico’s Real Estate Brokers and Salesmen Act generally exempts a person who, as owner, performs covered activities concerning property owned by that person, subject to statutory qualifications.

A genuine owner selling property owned by that owner therefore differs from a person performing brokerage services for another person for compensation.

40. Contract Holder Versus Record Owner

A person holding only a:

should not automatically represent that the person is the record owner of the underlying property.

New Mexico’s real estate statutes treat various interests in real property as “real estate,” but whether a specific investment or assignment structure qualifies for an exemption or requires licensure depends on the actual facts.

41. New Mexico Wholesaling

As of October 7, 2026, New Mexico does not have a separate comprehensive residential-wholesaler registration and statutory seller-cancellation regime comparable to the dedicated wholesaling statutes enacted by some other states.

That does not mean every assignment or wholesale business model is automatically unregulated.

The ordinary licensing, contract, fraud, advertising, and consumer-protection rules still apply.

42. Wholesaling and Licensing Analysis

Factors relevant to a wholesaling arrangement can include:

43. Contractual Interest Is Not Legal Title

Holding a purchase agreement, assignment right, option, or equitable interest is different from holding record legal title.

A contract holder should not falsely state that:

44. Assignment Depends on the Contract

Whether a purchase agreement may be assigned depends on:

Nothing on the Website guarantees that a particular agreement may be assigned.

45. Licensed Brokers Acting as Purchasers

A licensed New Mexico broker purchasing property for the broker’s own account can have special disclosure and professional-conduct concerns.

The broker should make the broker’s principal status clear and avoid confusion concerning whether the broker is acting for the seller, as a transaction broker, or solely as a buyer.

46. Foreclosure and Financial Distress

The Website may attract homeowners who are:

We are not your:

unless a separate legally compliant relationship expressly establishes otherwise.

47. New Mexico Mortgage Foreclosure Consultant Fraud Prevention Act

New Mexico separately regulates persons who, for compensation, offer or provide specified foreclosure-consulting services.

Covered representations can include promises to:

A direct cash purchase should not be marketed as paid foreclosure consulting unless the arrangement separately complies with that law.

48. Foreclosure Purchasers Are Distinct From Foreclosure Consultants

The statute generally excludes a foreclosure purchaser from the statutory definition of “foreclosure consultant.”

An ordinary principal purchaser of property in foreclosure is therefore not automatically a foreclosure consultant merely because the property is distressed.

However, the purchaser should avoid separately undertaking paid foreclosure-consulting services that can trigger the statute.

49. Twenty-Four-Hour Review Period

A covered New Mexico foreclosure-consulting contract generally must be provided to the homeowner for review at least 24 hours before it is signed.

The contract must satisfy detailed formatting, language, service-description, compensation, and warning requirements.

50. Three-Business-Day Foreclosure-Consulting Cancellation Right

A homeowner generally may rescind a compliant foreclosure-consulting contract until midnight of the third business day after signing.

The cancellation period does not begin until the consultant has complied with the statutory contract requirements and the owner signs the contract.

51. Transfer Rescission in a Covered Foreclosure-Consulting Arrangement

Where a deed or title transfer is involved within a covered foreclosure-consulting arrangement, New Mexico’s statutory warning informs the homeowner that the transfer may be rescinded within three days after signing the deed or other transfer document, subject to the statute’s terms.

This Website does not replace the required statutory notice.

52. No Advance Compensation for Foreclosure Consulting

A covered foreclosure consultant generally may not:

compensation until the consultant has fully performed every service promised.

53. Consultant Cannot Acquire Client’s Residence

A covered foreclosure consultant generally may not directly or indirectly, including through an affiliate or subsidiary, acquire an interest in the residence in foreclosure from an owner with whom the consultant has contracted.

Accordingly, a business seeking to purchase the property should not simultaneously contract to be the homeowner’s paid foreclosure consultant.

54. Other Foreclosure-Consultant Restrictions

A covered foreclosure consultant is also generally restricted from:

55. Foreclosure Reconveyances

New Mexico separately defines a foreclosure reconveyance to include specified transactions in which a homeowner in foreclosure transfers title or another covered interest and is then offered or promised an interest back that allows the homeowner to possess the property or another property.

Examples can include:

A “sell to us, remain in the home, and buy it back later” model should receive transaction-specific legal review.

56. Requesting an Offer Does Not Stop Foreclosure

Submitting a Website inquiry, receiving an offer, or negotiating a purchase does not automatically:

Homeowners facing foreclosure should independently determine applicable deadlines.

57. Federal Mortgage-Assistance Rules

Where separate conduct constitutes mortgage-assistance-relief services under federal law, federal requirements may regulate:

58. No Foreclosure-Rescue Guarantees

Unless separately authorized and legally qualified, we do not represent that:

59. Probate, Estate, Trust, and Inherited Property

Submitting inherited, probate, estate, or trust property does not establish authority to sell.

A transaction may require:

60. Insurance Claims and Fire-Damage Proceeds

A fire-damaged property may involve an open or completed insurance claim.

We do not act as your:

unless a separate legally compliant relationship expressly establishes otherwise.

Property owners are responsible for understanding:

61. Insurance Payout Information

The Website specifically asks whether the homeowner received an insurance payout.

That information may be relevant to evaluating:

Providing insurance-payout information does not mean that:

62. Pending Insurance Claims

If property is sold while an insurance claim remains pending, the transaction documents should address the parties’ respective rights concerning:

63. Public Adjusting

Nothing on the Website constitutes public-adjusting services.

A homeowner seeking assistance negotiating an insurance claim should work with an appropriately licensed insurance professional or attorney where required.

64. Tenant-Occupied Property

A sale does not automatically terminate every lawful tenancy.

A purchaser should evaluate:

Vacant appearance after a fire should not automatically be treated as proof that all tenancy rights have ended.

65. Federal Lead-Based Paint Disclosure

Federal lead-based-paint disclosure requirements may apply to qualifying residential housing constructed before 1978.

Nothing on the Website replaces applicable federal requirements.

66. Homeowners Associations

Where a property is subject to a homeowners association, the Homeowner Association Act and governing documents may impose separate requirements concerning:

67. Telephone Communications

By providing a telephone number and requesting an offer, you authorize reasonable responsive communications concerning:

Additional consent will be obtained where legally required before regulated automated, prerecorded, artificial-voice, or marketing communications are made.

68. New Mexico Recording Law

New Mexico generally permits recording of a telephone communication where the recorder is a participant or an appropriate party to the communication has consented, subject to applicable law.

Interstate communications can involve states requiring consent from all participants.

Where another applicable law imposes a stricter requirement, the stricter requirement controls.

69. Text Messages

If you provide a mobile telephone number and applicable consent, we may communicate by text concerning:

Where required, additional consent will be obtained before regulated automated or marketing messages are sent.

Consent to marketing communications is not a condition of receiving an offer or selling property where prohibited.

Message and data rates may apply.

Message frequency may vary.

Reply STOP to request that applicable messages stop.

70. Email Communications

By providing an email address, you authorize communications concerning:

Applicable promotional emails will provide an unsubscribe mechanism.

71. Electronic Communications

Where permitted by law, you consent to receiving Website and transaction communications electronically.

This does not eliminate documents that applicable law requires to be provided in another form or manner.

72. Privacy

Our handling of personal information is described in our Privacy Policy.

73. Independent Decision-Making

Selling fire-damaged real estate can have significant:

You may wish to consult:

74. No Professional Advice

Website content does not constitute individualized:

75. No Automatic Brokerage, Agency, or Fiduciary Relationship

Use of the Website does not itself create:

Where a licensed New Mexico real estate professional participates, applicable brokerage and agency documentation controls.

76. Acceptable Use

You may not:

77. Intellectual Property

Unless otherwise stated, the Website and its original:

are owned by or licensed to I Buy Houses With Fire Damage Albuquerque.

You may not commercially reproduce protected Website content without authorization.

78. Third-Party Websites and Services

We do not control or accept responsibility for independent third-party:

79. Website Availability

We may modify, restrict, suspend, or discontinue Website features.

Continuous, uninterrupted, secure, or error-free availability is not guaranteed.

80. No Guarantee of Transaction

We do not guarantee:

81. Marketing Claims

Website statements describing offers or the process as:

describe intended or possible service characteristics and do not guarantee a particular financial outcome.

The executed transaction documents control.

82. Testimonials

Testimonials describe individual reported experiences.

They do not guarantee that another seller will receive:

83. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE AND WEBSITE CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

WE DISCLAIM WARRANTIES THAT MAY LAWFULLY BE DISCLAIMED, INCLUDING IMPLIED WARRANTIES OF:

Nothing in these Terms eliminates rights that applicable law does not permit to be waived.

84. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, I BUY HOUSES WITH FIRE DAMAGE ALBUQUERQUE AND ITS AFFILIATES, OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, SERVICE PROVIDERS, AND BUSINESS PARTNERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING SOLELY FROM WEBSITE USE.

OUR AGGREGATE LIABILITY FOR CLAIMS ARISING SOLELY FROM WEBSITE USE WILL NOT EXCEED $500, TO THE MAXIMUM EXTENT PERMITTED BY LAW.

This Website-only limitation does not govern rights or liabilities under separately executed:

unless those documents expressly provide otherwise and applicable law permits it.

85. Independent Third Parties

To the maximum extent permitted by law, we are not responsible for independent third-party:

Nothing in this provision eliminates liability that applicable law does not permit to be excluded.

86. Indemnification

To the extent permitted by law, you agree to indemnify I Buy Houses With Fire Damage Albuquerque from claims arising from your:

87. Governing Law

These Terms are governed by the laws of the State of New Mexico, except where another law must apply.

88. Venue and Disputes

Subject to mandatory jurisdiction, venue, consumer-protection, foreclosure, and transaction-specific requirements, proceedings arising solely from Website use may be brought in a court of competent jurisdiction in New Mexico.

These Website Terms do not impose mandatory arbitration.

A separately executed transaction agreement may contain different enforceable dispute provisions.

Nothing in these Website Terms overrides New Mexico restrictions on venue, choice of law, waiver, or other contract terms in a covered foreclosure-consulting relationship.

89. Non-Waivable New Mexico Rights

Nothing in these Terms waives rights that cannot legally be waived under applicable:

90. Transaction Agreements Control

These Website Terms do not replace:

A separately executed transaction agreement governs that transaction to the extent enforceable.

91. Changes to These Terms

We may update these Terms periodically.

Updated Terms become effective when posted or on another identified effective date, subject to applicable law.

92. Severability

If a provision is invalid or unenforceable, it will be enforced to the maximum lawful extent or severed, and the remaining provisions will remain effective.

93. No Waiver

Failure to enforce a provision does not waive the right to enforce it later.

94. Assignment

You may not assign these Website Terms without our written consent.

We may assign these Terms in connection with a merger, acquisition, financing, restructuring, affiliate reorganization, or sale of assets, subject to applicable law.

This provision does not determine whether a real estate purchase agreement may be assigned.

Assignment of a purchase agreement is governed by:

95. Entire Agreement Regarding Website Use

These Terms and the Privacy Policy govern Website use.

They do not supersede separately executed real estate transaction documents.

96. Contact Us

Questions concerning these Terms may be directed to:

I Buy Houses With Fire Damage Albuquerque
Albuquerque, New Mexico
United States

Website: ibuyhouseswithfiredamagealbuquerque.com