If you have been about selling your home directly for cash but you have an existing mortgage, you may wonder how the process works. You can rest assured it’s common for sellers like you to sell their house directly and receive the remainder of the proceeds in cash after the lender has received the payoff for the mortgage.
Selling your home can be overwhelming, but you can relax by understanding how easy it is. So read on as we explore how to sell your house in McAllen directly, even with a mortgage.
Remaining Balance
Your first step is to reach out to the lender requesting your payoff balance to sell your house in McAllen directly, even with a mortgage. Of course, the amount they provide will differ from your remaining balance because the accrued interest is calculated in advance and expires within a given period; however, it provides an excellent estimate to calculate how much you owe. Next, local professional buyers like those at Dolfin RGV will compare their offer to what you could earn by listing your home on the market. The professional buyers at Dolfin RGV do this because we want you to make an educated decision with all of the facts in hand, so you’ll agree our offer is fair. And, the professional buyers at Dolfin RGV don’t charge commissions, and there are never any hidden fees to come off the top of your profits at closing.
Timeline
It’s helpful to understand the timeline when you sell your house in McAllen directly, even with a mortgage. Unlike the uncertainty of listing a home on the market (with average days on market can take 60-100 days if you find a qualified buyer), professional buyers like those at Dolfin RGV can provide you with a guaranteed closing date. Since investors do not need to apply for a mortgage, they won’t need to wait for the house to appraise. Relocation, liens, sudden change of job, life challenges are unique for every household. The professional buyers at Dolfin RGV will listen to this unique situation and try to come up with a timeline that works out the best. Our purpose is to be real estate problem solvers in the RGV. We have been in the real estate field for almost two decades, which means we have seen different situations along the way. As a local family business we are your neighbors, familiar with our unique Valley culture. We have helped families that have inherited a house with some liens and issues, have bought houses with foundation issues, have worked with homeonwers that were living in Mexico and couldn’t travel to the States to sign papers, have bought houses that were never finished… you name it! we love projects and love helping people that want to sell their houses in McAllen, Pharr, Alamo, Mission, Edinburg and other areas aroud the RGV. We are direct buyers so we will actually make sure deed ownership is transferred to our name and the mortgage is paid off. So many times we have seen that homeowners trusted a company that just ‘promised’ them to buy their home but never make payments on their mortgage and few months later the lenders are foreclosing on the property, affecting the original owners’ credit score for years!
The professional buyers at Dolfin RGV have the advantage of built-in time and money-saving efficiency with a full-service team of industry specialists, including every pro needed to close swiftly, typically within days. In addition, the professional buyers at Dolfin RGV are happy to work with you to schedule the best calendar date for the closing to make the process as convenient as possible for sellers; just let us know your plans. The professional buyers can even help sell a property when out of town.
Prepping and Cleaning
Prepping is different when you sell your house in McAllen directly, even with a mortgage. Because there’s no need to attract buyers, you don’t need to worry about curb appeal or adding a fresh coat of paint. In addition, the marketing costs, professional fees for photographers or stagers, and the cleaning and constant prepping for showings are all eliminated through a direct sale. Professional buyers like those at Dolfin RGV save sellers time, effort, and money. You don’t even need to worry about a final cleaning, just pack what you need and leave the rest to the professional buyers at Dolfin RGV.
Repairs and Upgrades
While conventional home sales include prepping and making repairs as well as complying with lenders inspections, you can keep your wallet in your pocket when you sell your house directly in McAllen because professional buyers like those at Dolfin RGV buy homes as-is. In addition, the professional buyers at Dolfin RGV will detail the numbers used to calculate the offer to buy your home directly.
Closing
While traditional closing fees can cost sellers a considerable chunk of their profits, you eliminate the closing costs when you sell your house in McAllen directly, even with a mortgage.
Professional buyers like those at Dolfin RGV and their team save you time and money by handling the entire process in-house. And the amount your professional buyer from Dolfin RGV offers is the amount of cash you’ll receive. There are no surprises when you directly sell to a professional buyer at Dolfin RGV because we operate with total transparency.
If you’d like to sell your house in McAllen directly, even with a mortgage, talk to us at Dolfin RGV today without obligation. At Dolfin RGV, we understand the importance of clear communication and know it starts with good listening. The professional buyers at Dolfin RGV are experienced local real estate investors who know that no one knows the selling points of your house the way you do. At Dolfin RGV, we understand that many motivations may drive your home’s sale. Whether you’re under a time crunch, facing financial difficulties, are relocating, or can’t afford the necessary repairs, our passion at Dolfin RGV is helping our neighbors here in McAllen solve their home selling problems. We are your Valley neighbors and are happy to help solve real estate challenges. We’re ready to listen and to answer any of your questions or concerns about the process at Dolfin RGV; our goal is to help you make the most profit from the sale of your home. For example, suppose our professional buyers at Dolfin RGV believe that listing your home on the McAllen real estate market would be better for your circumstances. In that case, they will tell you so because at Dolfin RGV, it’s important to us that you feel good about the deal long after you leave the closing table. If the numbers work for you and for us – adelante, go ahead. If not, we may tell you what other options can work for you best. Ready to learn more about how a professional buyer at Dolfin RGV can help you? Call Dolfin RGV at (956) 904 5234.