Sell Your Home, Access Your Equity & Stay

Need To Sell But Want To Stay In Your Home? You May Have Options.

If you have equity in your Texas home but cannot access the money through traditional lending, you may have another option.

For qualifying homeowners, this option may allow you to sell the property, use the proceeds to address pressing financial or property-related needs, and remain in the home under a lease agreement. Some homeowners may also qualify for an option to purchase the property again later.

This is a sale of your property, not a loan. Ownership transfers to the buyer at closing, and if you qualify for Sell & Stay, you remain in the property under a separate lease agreement.

What Is Home Equity?

Get Equity Out Of Your Home

Your home equity is generally the difference between what your property is worth and what you owe against it.

For example, if your home is worth $300,000 and you owe $75,000 on your mortgage, you have approximately $225,000 in equity before considering other liens, delinquent taxes, or amounts owed against the property.

What If A Traditional Loan Is Not An Option?

You may have significant equity in your home but not enough available cash to solve an immediate problem. This option may be worth exploring if you need funds to:

  • Pay HOA fees & special assessments
  • Pay delinquent property taxes or other property-related debt
  • Cover emergency or unexpected expenses
  • Avoid foreclosure and continue living in your home
  • Complete necessary home repairs
  • Address another pressing financial need

Whether you own your home free and clear or still have a mortgage, what matters is whether you have enough equity for Sell & Stay to work.

How Sell & Stay Works

Sell Your Home And Access Your Equity
  • We evaluate the property’s condition and value, existing debts, available equity, and what you are trying to accomplish.
  • If the numbers make sense, you receive an offer to purchase the property.
  • We discuss how the sale proceeds would be handled, including any amounts that may be needed for property obligations, repairs, lease payments, insurance, or reserves.
  • You sell the property and remain as a tenant under a separate lease agreement, with rent based on current market rates.
  • If a repurchase option is available, the future purchase price and deadline will be established upfront so you understand the terms before agreeing to the sale.

What Happens To My Equity?

The amount available to you depends on the value of your property, the purchase price, and the requirements of your particular transaction.

Your proceeds may first be used to address certain obligations and expenses, which may include:

  • Delinquent property taxes
  • HOA balances or other liens
  • Necessary property repairs
  • Upfront lease payments
  • Property insurance
  • Funds set aside for future property taxes or insurance
  • Other property expenses or reserves

We believe you should understand where the money is going before you agree to sell your home.

Who Is This Option Best For?

This option may be worth exploring if you:

  • Have sufficient equity in a Texas property.
  • Need to sell but would prefer to remain in your home.
  • Would like the opportunity to purchase the home again later, if that option is available.

You do not have to be behind on property taxes or facing foreclosure. The key consideration is whether you have enough equity in your Texas property to create a workable solution.

Sell & Stay FAQs

Get answers about existing mortgages, lease terms, repurchase options, and what happens after you sell your home.

Q: Do I have to own my home free and clear?

A: No. You may still qualify if you have an existing mortgage. What matters is whether there is sufficient equity in the property and whether the overall numbers support the transaction.

Q: What happens to my existing mortgage when I sell the property?

A: That depends on your existing mortgage and how the transaction is structured. The mortgage may be paid off at closing or, in some situations, the existing financing may remain in place. We will explain how your mortgage will be handled before you agree to the sale.

Q: How long can I stay in the home?

A: Your length of stay will be established in the lease agreement before the sale is completed. A lease term is typically one year, but the length may be negotiable depending on your equity and the overall situation.

Q: What if I decide not to buy the home back?

A: You are not required to repurchase the property. If your agreement includes an option to purchase the home back and you decide not to exercise it, you can move out according to the terms of your lease.

Q: Are there upfront fees to find out if I qualify?

A: No. There are absolutely no upfront fees to find out whether your property and situation may qualify.

Sell & Stay Options Throughout Texas

Love Investors offers Sell & Stay options for qualifying homeowners throughout Texas.

๐Ÿ“ Dallas Metro Area
๐Ÿ“ Fort Worth Metro Area
๐Ÿ“ Houston Metro Area
๐Ÿ“ San Antonio Metro Area
๐Ÿ“ Austin Metro Area
๐Ÿ“ Waco / Central Texas Area

Find Out If Sell & Stay May Work For Your Texas Home

Not every property or homeowner situation will qualify. If you have equity in your Texas home and need to sell while remaining in the property, tell us about your situation and we’ll determine whether Sell & Stay may work for you.

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