Can You Sell House With Mortgage in Texas?

What Most Homeowners Get Wrong About Sell House With Mortgage

You don’t have to wait until your mortgage is paid off to sell your home. In fact, most people don’t.

Here’s a number that might surprise you: Over 60% of U.S. homeowners still had a mortgage when they sold their home.

So if you’ve been hesitating to list your house in Texas just because you still owe the bank—don’t.

You’re in good company.

But here’s the part no one really explains: how it all works without blowing up your finances or your sanity.

Let’s break it down—real talk, no fluff.

GET AN OFFER FOR YOUR HOUSE TODAY

Yes, You Can Sell a House With a Mortgage

It’s not just possible.

It’s standard operating procedure.

When you sell your home, the buyer brings the money.

That money is used to pay off your mortgage.

Whatever’s left? That’s your profit.

🔍 Let’s say your home in San Antonio is worth $350,000, and you owe $120,000 on your mortgage. You accept an offer at full price. After closing costs and agent fees—say $20,000 total—you walk away with around $210,000.

Simple, right?

Well… yes and no.

There are a few landmines to watch out for—especially in Texas, where the market’s moving fast and not every buyer is playing fair.

Watch Out for These Common Mistakes

1. You Don’t Know Your Payoff Amount

That number on your mortgage statement? It’s not your payoff.

It doesn’t include interest that’s accrued up to closing, or fees that sneak in at the end.

👉 Call your lender and request a payoff quote. It’s time-sensitive, so don’t wait until the last minute.

2. You Forget About Closing Costs

If your equity’s tight, don’t assume the leftover will cover everything.

Title fees, taxes, agent commissions—it adds up fast.

You might end up writing a check at closing instead of getting one.

3. You Try to Sell “As-Is” But Get Hammered by Buyers

We’ve seen this firsthand. A homeowner in Austin listed her house needing repairs.

Buyers lowballed her so hard it was insulting. Then she called Camwood House Buyers.

We bought the house as-is—no cleaning, no fixing—and closed in 10 days. She picked the closing date. No fees, no agents, no drama.

What If You Don’t Have Enough Equity?

This one stings, but it’s important.

If you owe more than your house is worth, you’re underwater. And selling becomes tricky.

You’ve got three real options:

Pay the difference out of pocket (not fun, but it protects your credit).
Short sale (requires lender approval and will tank your credit for a while).
Wait it out until home values rise or you pay down more of the loan.

Camwood House Buyers works with homeowners in tough situations like these. We can help you assess your options—no pressure, no sales pitch.

Want to Sell Fast Without the Headaches?

Selling the traditional way works—sometimes.

But it’s slow, unpredictable, and full of surprises (the kind that cost you money).

Inspections, buyer financing falling through, showings at awkward hours…

That’s why some homeowners go the alternative route.

Companies like Camwood House Buyers offer a simpler model:

No repairs
No agents
No showings
No surprises

You call. We assess. You get a fair cash offer in 24 hours. If you like it, you choose your closing date. That’s it.

It’s not for everyone—but if time, condition, or stress are factors, it might be exactly what you need.

Real Talk: Should You Sell Now?

Here’s the question you’ve got to answer:

Is your current home helping you move forward—or holding you back?

Whether it’s a job change, a family shift, or just the need for a fresh start, you don’t have to stay stuck just because you have a mortgage.

Especially in a seller-friendly state like Texas.

The key is knowing your numbers, understanding your options, and working with people who don’t make the process harder than it already is.

Final Takeaway

Selling a house with a mortgage isn’t complicated.

But doing it right—without stress, surprises, or setbacks—means knowing the rules and knowing who to call.

If you’re curious what your home is worth, or you just want to see what selling to a cash buyer like Camwood House Buyers could look like, here’s your move:

Get a real offer. Compare your options. Then decide what’s best for you.

And hey, if you’re still not sure? That’s fine too. Just don’t sit in limbo.

Try this strategy: Call your lender, get your payoff amount, and run a rough net sheet.

You’ll be shocked how much clarity that gives you.

Your mortgage doesn’t own you. You’ve got options. Let’s make them work for you.