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How to Sell a House with a Mortgage in Texas

Selling a House With a Mortgage in Texas

If you still owe on your mortgage and need to sell your home, you might be wondering if that’s even possible, especially if you’re behind on payments or facing foreclosure. The answer is yes, and Fort Worth homeowners sell houses with mortgages every day without the complications you might expect. We will walk you through exactly how the process works, what your real options are and how a local team can help you close in days.

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Can You Sell a House With an Active Mortgage in Fort Worth?

Yes, you can absolutely sell a house with an existing mortgage in Fort Worth. Many homeowners sell before the mortgage is fully paid off, and the process is the same whether you’re current on your mortgage payments or have fallen behind. At closing, the sale proceeds pay off your remaining loan balance directly, and you walk away from the mortgage obligation.

How Your Mortgage Gets Paid off at Closing

When you sell your home, the title company uses the buyer’s purchase funds to pay your lender directly at closing. Your lender receives the full payoff amount, the lien on your property is released, and you receive whatever equity remains after the mortgage and closing costs are covered. The title company coordinates the entire payoff process on your behalf, which means you don’t need to contact your lender or request payoff statements yourself.

For example, if your home sells for $350,000 and you owe $250,000, the title company pays your lender $250,000 at closing, and you receive $100,000, minus any fees. The payoff amount includes interest that has accrued through closing day, plus any outstanding fees. Because interest accrues daily, the payoff amount will be higher than your most recent monthly statement balance.

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Sell Your Fort Worth Home Fast Even When Behind on Payments

Being behind on payments does not prevent you from selling your home. The mortgage is paid off from the sale proceeds at closing, regardless of your payment status. Many sellers who come to Four 19 Properties are in this situation, and we’ve helped Fort Worth sellers navigate due-on-sale concerns and close before their foreclosure sale date. 

In Texas, lenders must provide borrowers with at least 21 days’ notice before acceleration and generally cannot proceed with foreclosure until the loan has been delinquent for more than 120 days, which gives you a window to sell and pay off the mortgage before the process concludes. If you’re facing foreclosure in Fort Worth, selling before the sale date protects your credit far better than allowing a foreclosure to proceed. 

Four 19 Properties has a team of real estate agents who have closed deals for homeowners in critical time frames, and we specialize in working with sellers who are behind on payments.

How Four 19 Properties Handles the Entire Process for You

When you sell to Four 19 Properties, we coordinate every detail of the transaction so you don’t have to chase down paperwork or manage complicated logistics. We work directly with the title company to request your mortgage payoff statement, verify the exact amount owed and ensure your lender receives payment at closing. You simply show us the property, accept our offer and show up to closing to receive your proceeds.

We Evaluate Your Home’s Value Based on Current Market Conditions

You don’t need to pay for an appraisal or hire additional professionals to understand what your home is worth. Four 19 Properties evaluates your property based on its condition, location and recent comparable sales in Tarrant County. We account for current market conditions and make you an offer that reflects what we can pay for your home in its current condition, with no repairs required and no additional costs on your end.

We Help You Understand Your Equity Position

Home equity is your house’s current market value minus what you owe on your mortgage. 

For example, if your home is worth $300,000 and you owe $180,000, you have $120,000 in equity. If your home is worth more than you owe, you’re above water. If you owe more than it’s worth, you have negative equity. This is also called being underwater, but that doesn’t mean you can’t sell.

Accounting for commissions, closing costs and other fees is especially important if equity is tight. Those expenses can leave you with little to no profit or require you to spend money out of pocket if you don’t have enough equity to cover them.

We Eliminate Real Estate Agent Fees and Closing Costs

If you need help choosing whether to sell to us or employ a real estate agent, understanding the real costs and timelines of each helps you make the right choice:

  • Traditional listing with a real estate agent: In Fort Worth, a traditional listing is often on the market for two to three months, plus time for repairs, staging, negotiations, inspections and closing. Agent commissions typically run 6% of the sale price, and total closing costs can be up to 10% of your gross proceeds. If your home sells for $350,000, you’re looking at roughly $56,000 in commissions and closing costs. You’ll also need to keep the property show-ready and wait for a buyer’s financing to clear.
  • Cash sale to Four 19 Properties: We make cash offers, so you can avoid real estate agent fees when selling a house with a mortgage to Four 19 Properties. For sellers who are behind on payments or selling an underwater house in Fort Worth, selling for cash is the clear fit — no commissions, no closing costs and closing in days.

Steps to Sell a House With a Mortgage in Fort Worth, Texas

The steps to sell your home to Four 19 Properties are straightforward and require minimal effort on your part.

Ready to Sell?

1. Contact Four 19 Properties

Reach out to our team to tell us about your property and your timeline. We’ll ask a few basic questions about the home’s condition and location. This initial conversation typically takes a few minutes, and there’s no obligation to move forward.

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Selling Your Fort Worth Home With Little or No Equity

Some homeowners owe more than their home is currently worth or have so little equity that, after commissions and fees, a traditional sale would leave them with nothing or even cost them money. If that’s your situation, you’re not alone. At Four 19, we’ve helped homeowners with negative equity navigate sales options that traditional channels may not offer. We’ve worked with homeowners facing negative equity, tax liens, foreclosure, title issues and other complications that make traditional sales difficult or impossible. Cash sales can be an excellent choice if a traditional sale isn’t an option.

If you’re facing complications, don’t assume you’re out of options. A title company can identify payoff requirements, and we can help you understand what a sale would need to cover and whether a cash sale gives you a workable path forward. We can’t make promises about specific outcomes, but if you’re in a tough spot, we’ve likely seen it before, and we’ll work with you or your title company to figure out what’s possible in your situation. Contact us today to talk through your options in detail.

Frequently Asked Questions

Below are answers to common questions from homeowners selling a house with a mortgage.

Contact Four 19 Properties to Sell Your Home With a Mortgage Fast in Fort Worth

Four 19 Properties has a team of real estate agents who buy homes for cash throughout the area, even when sellers are behind on payments, facing foreclosure or carrying little to no equity. We handle the mortgage payoff when you sell your house in Fort Worth, so there’s nothing left hanging over your head. The process starts with a simple conversation about your property and your timeline. We make you an offer, and closing can happen in a few days. 

We serve Hood, Johnson, Parker, Tarrant and Wise Counties, plus the Dallas-area counties of Collin, Dallas, Denton, Ellis and Rockwall, including DeSoto, Garland and Mesquite. You won’t have to wait for repairs or pay agent commissions, just a clean and stress-free exit from a complicated situation that works for sellers with any loan type. If you’re ready to move forward, we’re ready to help, so sell your home now or explore the areas Four 19 serves across North Texas. Y’all can also reach us through our contact page anytime.

Get Your Free, No-Obligation Cash Offer!

Don’t wait anymore. Fill out the form below and join the growing number of homeowners who have sold their house while in a divorce with us in the most simple and stress-free way.

Sellers Form

"*" indicates required fields

Property Address*
Name
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