Sell Your Reverse Mortgage House Fast in Texas
Texas has a unique history with reverse mortgages — home equity lending was constitutionally prohibited in Texas until 1997, when voters amended Article XVI §50 of the Texas Constitution to allow home equity loans including HECMs, making Texas one of the last states to authorize reverse mortgages for its residents. Even today, Texas imposes additional constitutional requirements on home equity lending that do not apply in other states, including a provision that the combined home equity debt cannot exceed 80% of the home's fair market value and certain anti-deficiency protections that complicate the standard HECM short sale process — meaning Texas-specific title guidance is essential for HECM transactions. When a Texas homeowner with a HECM dies or permanently vacates, the federal HUD timeline applies: heirs receive a Due and Payable notice with 30 days to respond, extensions available up to 6 months for an active sale, and then the servicer can proceed with non-judicial foreclosure under Texas's streamlined trustee sale process — which can move from formal notice to auction in as little as 41 days. We have closed HECM-related transactions on Texas properties and work directly with HECM servicers to navigate both the federal HUD timeline and Texas's constitutional home equity requirements, ensuring heirs avoid the double pressure of a looming trustee sale on top of managing an estate.
- Cash offer within 24 hours
- Close in 7 days or on your schedule
- Buy as-is — no repairs required
- We pay all closing costs
- No agents, no commissions
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No obligation · Closes in 7 days · $0 fees
24 hrs
Cash Offer
7 Days
Close
0
Repairs Needed
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How It Works
Three simple steps to sell your the United States home for cash — no repairs, no agents, no stress.
Tell Us About Your Property
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Receive Your Cash Offer
We'll present a fair, no-obligation cash offer within 24 hours.
Close On Your Schedule
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Reverse Mortgage in Texas — FAQ
A HECM (Home Equity Conversion Mortgage) is a reverse mortgage backed by HUD/FHA. A HECM short sale happens when the loan balance exceeds the home's value. We submit the package to your servicer and handle the HUD approval process.
You pay nothing. All costs are covered by us. Heirs of the estate have no personal liability for any deficiency on a HECM loan.
Typically 60–120 days depending on the servicer. We've worked with all major HECM servicers and know how to move things along.
Yes. Heirs have 6–12 months from the borrower's death (or departure from the home) to sell or refinance before the loan comes due.
We buy as-is. You don't need to do any repairs. The lender and HUD account for condition in the appraisal process.
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