Get Your Free Cash Offer Now!
Fill out this form to get your no-obligation all cash offer started!
Get Your Free Offer TODAY!
Fill In This Form To Get Your No-Obligation All Cash Offer Started!
Can I Sell a House With a Mortgage in Maryland?
Yes. In fact, most Maryland homeowners still have a mortgage when they sell. The key is that your home has enough equity, or a buyer willing to work with your lender to coordinate the payoff.
With a direct cash buyer, that process is streamlined. You don't need to worry about inspections, appraisals, or buyer financing delays. We contact your lender, request the payoff amount, and handle everything through the title company.
If your house has additional structural issues, see our guide on selling a Maryland home with major foundation problems, especially if you've been avoiding repairs due to cost.
Why Maryland Homeowners Trust Credible Homebuyers
Our reputation is built on real experiences. From inherited properties in Bowie to downsize moves in Dundalk, we’ve seen all types of situations—and we know how to provide real solutions.
"Working with Brentin was a breeze. He was clear and upfront with everything, and I got a fair offer for my home. The whole process was smooth, and I had my cash in hand quickly!"
Tommy Hill
Baltimore, MD
"I was worried about the selling process, but Brentin made it so easy. He gave me a fair price for my house and made sure everything was taken care of fast. So glad I chose him!"
Rachel Martinez
Silver Spring, MD
"Brentin was fantastic to work with. He made the sale of my house so much easier than I expected. No stress, no long waiting—just a fair offer and a quick close!"
Chris Thompson
Columbia, MD
"Brentin was honest, professional, and kept everything simple. I had no surprises, and he handled everything in a timely manner. I couldn’t have asked for a better experience!"
Olivia Green
Rockville, MD
Want more feedback? Check out our Reviews for unfiltered experiences from local sellers. to see what others are saying.
What If You're Behind on Payments?
You can still sell before foreclosure begins. Many homeowners sell their houses fast to avoid the damage foreclosure causes to their credit and finances.
When you work with Credible Homebuyers, we'll request the exact amount you owe from the lender and pay it off at closing. The remaining cash goes directly to you.
If your loan is underwater (you owe more than it's worth), there may still be solutions, including negotiating with your lender.
Homes that have been sitting without maintenance or updates may also be considered unsellable by agents. If that's the case, explore your options in our article on What to Do With an Unsellable House in Maryland.
How Selling for Cash Works If You Still Have a Mortgage
Our home-buying process is fast, and you stay in control from start to finish.
Step 1: Submit the Form
Tell us a few basics about your home. No clean-up or staging needed.
Step 2: Receive a Fair Cash Offer
We assess your home based on the market, your equity, and the condition of the property. Our offer covers your loan payoff, with any remaining equity going to you.
Step 3: Close on Your Terms
We work with the title company and your lender to finalize everything. You choose the closing date, and there are no agent fees or closing costs.
What If Your House Has No Equity?
Even if your mortgage balance is close to or slightly higher than your home's value, there may still be options:
- A short sale (with lender approval)
- Lender negotiation for a reduced payoff
- Combining a payoff with debt relief or lien resolution
We review every scenario individually and can often find a path forward, especially if there are additional financial hardships involved.
If your equity loss is tied to recent storm or flood damage, we also break down your options in How to Sell a Maryland House Fast After a Natural Disaster or Storm Damage.
Why Homeowners Choose Cash Sales With a Mortgage Balance
- No delays from the traditional listing process
- No agent commissions or extra fees
- Fast closings (7 to 14 days)
- All paperwork handled directly with the lender
- You stay in control of the timeline
Even if you feel stuck because of your mortgage, you still have the ability to sell and move forward, quickly and cleanly.
Get Your Free Cash Offer Now!
Fill out this form to get your no-obligation all cash offer started!
Get Your Free Offer TODAY!
Fill In This Form To Get Your No-Obligation All Cash Offer Started!
Sell Your House Fast in Maryland, Even If You Still Owe Money
You don't need to be mortgage-free to move on. Whether you're behind on payments, dealing with financial stress, or just ready for a reset, you can sell your house fast in Maryland for cash, with a direct payoff handled at closing.
Contact us. Fill out the short form today to get started. We'll review your situation and send a fair cash offer that works for your timeline.