In Texas, can I owner finance a house if I still owe money on the house?
If yes, how and how long does it take to close?
No, in any state, the primary (and secondary, if there is one) lienholder must be paid in full before the property can be transferred, and a new Deed of Trust (mortgage paperwork) can be written and recorded. This is what prevents most people from owner financing.
Best wishes.
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