Is this legal in Texas?

Yes, when structured correctly with the right documents — which is why we always involve a real-estate attorney.

What if the buyer stops paying?

We structure the deal (down payment, terms, remedies) to protect you, and there's a legal process to recover the property if needed.

Will my lender allow it?

Many mortgages have a due-on-sale clause — we identify it and plan around it before doing anything.

Selling through a life change

Creative Financing: Sell in Ways a Traditional Sale Can't

Not every sale has to be all cash at closing. For the right home and the right seller, carrying the financing yourself — or a lease-purchase, or another structure — opens up buyers a bank turns away, often at a better price and sometimes as monthly income instead of a lump sum. It is also legally involved, it depends entirely on your equity and your existing mortgage, and it is not right for most people. A Texas real-estate attorney papers every one of these, and you'll be told plainly when a straight sale is simply smarter.

Compare every option

Not every sale has to be all-cash at closing. For the right home and seller, creative financing opens up buyers a bank turns away — often at a better price, sometimes a steady income stream for you. It's not for everyone, and I'll be straight about the risks.

Paths forward

Your options

More than one way through this — here's what fits situations like yours.

Owner financing

You act as the bank and collect monthly payments plus interest.

Lease-purchase / rent-to-own

A committed tenant-buyer rents now and buys later.

Subject-to

A buyer takes over your existing payments — advanced, with cautions.

The process

How I help

01
We see whether your situation fits — your equity, mortgage terms, and goals.
02
I explain each structure plainly, with the upside and the risks.
03
We bring in a Texas real-estate attorney to paper it correctly.
04
We market to the right buyers and close.

Straight talk

What to keep in mind

These are legally involved — we use a Texas real-estate attorney, always.
There's risk if the buyer stops paying — we structure to protect you.
Your existing mortgage may have a due-on-sale clause; we address it up front.
Not right for everyone — I'll tell you if a traditional sale is simply smarter.

Homes sold: 175+Homes sold
In closed sales: $54M+In closed sales
Texas markets served: 2Texas markets served
Counties served today: 6Counties served today

A real track record across Greater Houston — and an honest read on your situation before you decide anything.

Questions, answered

Frequently asked questions

You sell the home but carry the loan yourself — the buyer pays you monthly, with interest, instead of a bank. You hold the note until it's paid or refinanced.

See if creative financing fits

Tell me about your home and mortgageI'll explain the structures and whether one fits your goals.

Name

Phone

Property address

I agree to be contacted by Allen Markel LLC and Texas Premier Realty. By checking this box and submitting this form, I give my prior express written consent for Allen Markel LLC (dba Allen Markel, REALTOR®) and its sponsoring broker Texas Premier Realty to contact me at the phone number and email address I provided — including by live and autodialed calls, prerecorded or artificial-voice calls, ringless voicemail (voicemail drop), text/SMS messages, and email — for real estate and marketing purposes such as property alerts, market updates, appointment reminders, and transaction updates. Calls and texts may be made using automated technology. I also consent to my calls with Allen Markel LLC being monitored and recorded for quality and training purposes; recorded calls are announced at the start of the call. Consent is not a condition of any purchase or service. Message frequency varies; message and data rates may apply. Reply STOP to opt out of texts, HELP for help; unsubscribe from emails anytime. I have read and agree to the Terms of Service and Privacy Policy. I certify the phone number I provided is my own.

Call (832) 709-2540

Whatever you're facing, you don't have to figure it out alone.

A private, no-pressure conversation is all it takes.