{"id":10041,"date":"2026-08-14T14:21:11","date_gmt":"2026-08-14T19:21:11","guid":{"rendered":"https:\/\/lrgrealty.com\/lrg-blog\/short-sales\/"},"modified":"2026-08-21T14:32:04","modified_gmt":"2026-08-21T19:32:04","slug":"short-sales","status":"publish","type":"page","link":"https:\/\/lrgrealty.com\/lrg-blog\/short-sales\/","title":{"rendered":"Texas Short Sale Guide: Your Options When You&#8217;re Underwater"},"content":{"rendered":"<div class=\"lrg-ss\">\n<div class=\"ss-hero\">\n<div class=\"ss-hero-inner\">\n<div class=\"ss-hero-eyebrow\">LRG Realty &middot; Short Sales<\/div>\n<h1>Texas Short Sale Guide: Your Options When You&#8217;re <em>Underwater<\/em><\/h1>\n<p>If you owe more than your home is worth, you have more options than you might think. This page walks through every path available to Texas homeowners, with guides written for your situation and a tool that estimates where you stand.<\/p>\n<div class=\"ss-hero-trust\">\n<span><span class=\"dot\"><\/span>Veteran-Owned<\/span><br \/>\n<span><span class=\"dot\"><\/span>Licensed TREC Brokerage<\/span><br \/>\n<span class=\"ss-hide-mobile\"><span class=\"dot\"><\/span>Serving Central Texas<\/span>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"ss-section\" id=\"situation-router\">\n<div class=\"ss-wrap\">\n<div class=\"rss-calc-wrapper rss-calc-inline\" style=\"margin:24px 0;\"><script>window.RSS_CALC_SOURCE=\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/short-sales\\\/\";<\/script><div class=\"lrg-calc-embed\" id=\"lrg-ss-router\">\n<style>\n@import url(\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;500;600&family=Fraunces:opsz,wght@9..144,400;9..144,500;9..144,600&display=swap\");\n  #lrg-ss-router *{box-sizing:border-box;margin:0;padding:0}\n  #lrg-ss-router{\n    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.rt-note{font-size:12px;color:var(--ink-light);line-height:1.6;padding:16px 22px 0}\n\n  @media (max-width:640px){\n    #lrg-ss-router .rt-head{padding:24px 16px 18px}\n    #lrg-ss-router .rt-body{padding:0 16px}\n    #lrg-ss-router .rt-q{font-size:25px}\n    #lrg-ss-router .rt-opt{font-size:15px;padding:14px 15px;gap:11px}\n    #lrg-ss-router .rt-tool{flex-direction:column;align-items:flex-start;gap:14px}\n    #lrg-ss-router .rt-tool a{width:100%;text-align:center}\n    #lrg-ss-router .rt-note{padding:14px 16px 0}\n  }\n<\/style>\n\n<div class=\"rt\">\n\n  <div class=\"rt-head\">\n    <div class=\"rt-eyebrow\" id=\"rtEyebrow\">Start here<\/div>\n    <h2 class=\"rt-q\" id=\"rtQ\">What best describes <em>your situation?<\/em><\/h2>\n    <p class=\"rt-sub\" id=\"rtSub\"><\/p>\n  <\/div>\n\n  <div class=\"rt-body\">\n    <div id=\"rtStage\"><\/div>\n    <div class=\"rt-note\" id=\"rtNote\">\n      These guides are educational. They do not recommend a course of action for your situation. For advice specific to you, talk with a licensed Texas real estate attorney, CPA, or HUD-approved housing counselor. Free counseling is available at 1-800-569-4287.\n    <\/div>\n  <\/div>\n\n<\/div>\n\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"ss-section ss-tool-wrap\" id=\"equity-tool\">\n<div class=\"ss-wrap\">\n<div class=\"rss-calc-wrapper rss-calc-inline\" style=\"margin:24px 0;\"><script>window.RSS_CALC_SOURCE=\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/short-sales\\\/\";<\/script><div class=\"lrg-calc-embed\" id=\"lrg-calc-equity-gap\">\n<style>\n@import url(\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;500;600;700&family=Fraunces:opsz,wght@9..144,400;9..144,500;9..144,600&display=swap\");\n  #lrg-calc-equity-gap *{box-sizing:border-box;margin:0;padding:0}\n  \/* Hide Divi entry-title on the standalone equity-gap tool page only *\/\n  .page-id-10042 .entry-title.main_title,\n  .page-id-9684 .entry-title.main_title{display:none !important}\n\n  #lrg-calc-equity-gap{\n    background:#FFFFFF;\n    color:var(--eg-ink,#1A2634);\n    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.15s,transform .1s;margin-top:4px;\n  }\n  #lrg-calc-equity-gap .eg-btn:hover{background:var(--red-deep)}\n  #lrg-calc-equity-gap .eg-btn:active{transform:translateY(1px)}\n  #lrg-calc-equity-gap .eg-btn:disabled{opacity:.5;cursor:not-allowed}\n  #lrg-calc-equity-gap .eg-err{font-size:13px;color:#C8102E;min-height:18px;text-align:center;margin-top:4px}\n\n  #lrg-calc-equity-gap .eg-done{text-align:center;padding:14px 0}\n  #lrg-calc-equity-gap .eg-done .tick{\n    width:56px;height:56px;border-radius:50%;background:var(--surplus);\n    color:#fff;font-size:28px;display:flex;align-items:center;justify-content:center;\n    margin:0 auto 14px;\n  }\n  #lrg-calc-equity-gap .eg-done h3{font-family:'Fraunces',Georgia,serif;font-size:24px;color:#fff;margin-bottom:8px}\n  #lrg-calc-equity-gap .eg-done p{font-size:14px;color:#B9C6D8;margin:0 auto;line-height:1.55}\n\n  #lrg-calc-equity-gap .eg-note{\n    font-size:12px;color:var(--ink-light);line-height:1.65;\n    padding:14px 18px;background:#fff;\n    border:1px solid var(--line);border-left:3px solid var(--line);border-radius:0;\n  }\n\n  @media (max-width:640px){\n    #lrg-calc-equity-gap .eg-head{padding:22px 16px 18px}\n    #lrg-calc-equity-gap .eg-body{padding:16px}\n    #lrg-calc-equity-gap .eg-title{font-size:25px}\n    #lrg-calc-equity-gap .eg-num{font-size:40px}\n    #lrg-calc-equity-gap .eg-two{grid-template-columns:1fr}\n    #lrg-calc-equity-gap .eg-bar-top{padding:10px 16px;font-size:11px}\n    #lrg-calc-equity-gap .eg-bar-top .r{display:none}\n  }\n<\/style>\n\n<div class=\"eg\">\n\n  <div class=\"eg-bar-top\">\n    <div class=\"l\"><span class=\"star\">&#9733;<\/span> Veteran-owned &middot; San Antonio, Austin, Killeen<\/div>\n    <div class=\"r\"><a href=\"tel:2108798220\">210-879-8220<\/a><\/div>\n  <\/div>\n\n  <div class=\"eg-head\">\n    <div class=\"eg-eyebrow\">Equity gap estimator<\/div>\n    <h1 class=\"eg-title\">Do you have equity, or <em>a gap?<\/em><\/h1>\n    <p class=\"eg-lede\">Enter what you owe and what you believe the home is worth. This estimates where you land after typical selling costs. You supply every number. We do not pull or estimate your home's value.<\/p>\n  <\/div>\n\n  <div class=\"eg-body\">\n\n    <div class=\"eg-fields\">\n      <div class=\"eg-f\">\n        <label for=\"egHv\">Estimated home value<\/label>\n        <div class=\"eg-in\"><span class=\"sym pre\">$<\/span><input type=\"text\" id=\"egHv\" class=\"pad-l\" inputmode=\"numeric\" placeholder=\"325,000\" autocomplete=\"off\"><\/div>\n        <div class=\"eg-hint\">Your best estimate. Not an appraisal.<\/div>\n      <\/div>\n      <div class=\"eg-f\">\n        <label for=\"egMb\">First mortgage balance<\/label>\n        <div class=\"eg-in\"><span class=\"sym pre\">$<\/span><input type=\"text\" id=\"egMb\" class=\"pad-l\" inputmode=\"numeric\" placeholder=\"340,000\" autocomplete=\"off\"><\/div>\n        <div class=\"eg-hint\">Payoff amount from your lender statement.<\/div>\n      <\/div>\n      <div class=\"eg-f\">\n        <label for=\"egSl\">Second lien<\/label>\n        <div class=\"eg-in\"><span class=\"sym pre\">$<\/span><input type=\"text\" id=\"egSl\" class=\"pad-l\" inputmode=\"numeric\" placeholder=\"0\" autocomplete=\"off\"><\/div>\n        <div class=\"eg-hint\">HELOC or home equity loan. Leave empty if none.<\/div>\n      <\/div>\n      <div class=\"eg-f\">\n        <label for=\"egCm\">Agent commission<\/label>\n        <div class=\"eg-in\"><input type=\"text\" id=\"egCm\" class=\"pad-r\" inputmode=\"decimal\" value=\"5\" autocomplete=\"off\"><span class=\"sym post\">%<\/span><\/div>\n        <div class=\"eg-hint\">Typical range 5 to 6 percent. Adjust to your agreement.<\/div>\n      <\/div>\n      <div class=\"eg-f\">\n        <label for=\"egCc\">Other closing costs<\/label>\n        <div class=\"eg-in\"><input type=\"text\" id=\"egCc\" class=\"pad-r\" inputmode=\"decimal\" value=\"2\" autocomplete=\"off\"><span class=\"sym post\">%<\/span><\/div>\n        <div class=\"eg-hint\">Title, escrow, transfer. Typical range 1 to 3 percent in Texas.<\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"eg-out\">\n      <div class=\"eg-out-main\">\n        <div class=\"eg-out-label\" id=\"egLabel\">Your estimated position<\/div>\n        <div class=\"eg-num empty\" id=\"egNum\">Enter your numbers<\/div>\n        <div class=\"eg-out-sub\" id=\"egSub\">The estimate updates as you type. Nothing is sent anywhere until you ask us to call.<\/div>\n      <\/div>\n      <div class=\"eg-viz\" id=\"egViz\" style=\"display:none\">\n        <div class=\"eg-stack\" id=\"egStack\"><\/div>\n        <div class=\"eg-key\">\n          <span><i class=\"eg-chip\" style=\"background:var(--navy)\"><\/i>What you owe<\/span>\n          <span><i class=\"eg-chip\" style=\"background:var(--cost)\"><\/i>Selling costs<\/span>\n          <span id=\"egKeyGap\" style=\"display:none\"><i class=\"eg-chip\" style=\"background:var(--gap)\"><\/i>Shortfall<\/span>\n          <span id=\"egKeySur\" style=\"display:none\"><i class=\"eg-chip\" style=\"background:var(--surplus)\"><\/i>Proceeds to you<\/span>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"eg-break\" id=\"egBreak\" style=\"display:none\">\n      <h3>Where the money goes<\/h3>\n      <div id=\"egLines\"><\/div>\n    <\/div>\n\n    <div class=\"eg-cta\" id=\"egCta\">\n      <div id=\"egCtaInner\">\n        <h3>Want to talk through <em>your options?<\/em><\/h3>\n        <p>A confidential conversation with a licensed Texas real estate agent. No obligation.<\/p>\n        <form class=\"eg-form\" id=\"egForm\" onsubmit=\"return false\">\n          <div class=\"eg-two\">\n            <div><label for=\"egFn\">First name<\/label><input type=\"text\" id=\"egFn\" placeholder=\"John\" autocomplete=\"given-name\"><\/div>\n            <div><label for=\"egLn\">Last name<\/label><input type=\"text\" id=\"egLn\" placeholder=\"Smith\" autocomplete=\"family-name\"><\/div>\n          <\/div>\n          <div><label for=\"egEm\">Email<\/label><input type=\"email\" id=\"egEm\" placeholder=\"you@example.com\" autocomplete=\"email\"><\/div>\n          <div><label for=\"egPh\">Phone<\/label><input type=\"tel\" id=\"egPh\" placeholder=\"(210) 555-0123\" autocomplete=\"tel\"><\/div>\n          <input type=\"text\" class=\"eg-hp\" id=\"egHp\" tabindex=\"-1\" autocomplete=\"off\" aria-hidden=\"true\">\n        <\/form>\n        <button class=\"eg-btn\" id=\"egSend\">Talk through my options &#8594;<\/button>\n        <div class=\"eg-err\" id=\"egErr\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"eg-note\">\n      Estimate only. Not an appraisal, an offer, or a guarantee of what your home will sell for. Actual selling costs vary by transaction and lender. This tool does not recommend any course of action. Talk with a licensed Texas real estate attorney, CPA, or HUD-approved housing counselor about your specific situation.\n    <\/div>\n\n  <\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"ss-section\">\n<div class=\"ss-wrap\">\n<h2 class=\"ss-h2\" id=\"start-with-these-three\">Start with <em>these three<\/em><\/h2>\n<div class=\"ss-cards\">\n<div class=\"ss-card\">\n<div class=\"ss-card-label\">Overview<\/div>\n<h3>Every option, compared<\/h3>\n<p>Short sale, loan modification, deed in lieu, forbearance, bringing cash to closing. This guide compares them side by side so you can see what fits.<\/p>\n<p><a href=\"\/lrg-blog\/options-cant-afford-sell-texas-home\/\">Read the guide &#8594;<\/a>\n<\/div>\n<div class=\"ss-card\">\n<div class=\"ss-card-label\">Process<\/div>\n<h3>How a short sale works in Texas<\/h3>\n<p>What happens from the hardship letter to the closing table. Timelines, lender requirements, and what to expect at each step.<\/p>\n<p><a href=\"\/lrg-blog\/short-sale-process-texas\/\">Read the guide &#8594;<\/a>\n<\/div>\n<div class=\"ss-card\">\n<div class=\"ss-card-label\">Military<\/div>\n<h3>PCS with an underwater mortgage<\/h3>\n<p>Programs that may apply to servicemembers, including SCRA protections and VA-specific paths. Written for active duty, reserve, and veterans facing a move they did not choose.<\/p>\n<p><a href=\"\/lrg-blog\/pcs-underwater-mortgage-military-options-texas\/\">Read the guide &#8594;<\/a>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"ss-section\">\n<div class=\"ss-wrap\">\n<h2 class=\"ss-h2\" id=\"guides-by-situation\">Guides by <em>situation<\/em><\/h2>\n<div class=\"ss-cluster\">\n<h3>Selling when the numbers are tight<\/h3>\n<div class=\"ss-cluster-list\">\n<a class=\"ss-cluster-item\" href=\"\/lrg-blog\/sell-house-negative-equity-texas\/\"><span>How to sell a house with negative equity in Texas<\/span><span class=\"ar\">&#8594;<\/span><\/a><br \/>\n<a class=\"ss-cluster-item\" href=\"\/lrg-blog\/short-sale-vs-foreclosure-texas\/\"><span>Short sale vs foreclosure: which is better for you?<\/span><span class=\"ar\">&#8594;<\/span><\/a><br \/>\n<a class=\"ss-cluster-item\" href=\"\/lrg-blog\/selling-home-pcs-no-equity-texas\/\"><span>Selling a home during a PCS with little or no equity<\/span><span class=\"ar\">&#8594;<\/span><\/a>\n<\/div>\n<\/div>\n<div class=\"ss-cluster\">\n<h3>Foreclosure and what comes after<\/h3>\n<div class=\"ss-cluster-list\">\n<a class=\"ss-cluster-item\" href=\"\/lrg-blog\/texas-foreclosure-timeline\/\"><span>Texas foreclosure timeline: how fast it can happen<br \/><span class=\"desc\">Texas allows non-judicial foreclosure on most residential mortgages, which can move faster than a court process. Home-equity loans under Art. XVI, Sec. 50 of the Texas Constitution require a court order.<\/span><\/span><span class=\"ar\">&#8594;<\/span><\/a><br \/>\n<a class=\"ss-cluster-item\" href=\"\/lrg-blog\/deficiency-judgment-texas\/\"><span>Deficiency judgments in Texas after a short sale or foreclosure<\/span><span class=\"ar\">&#8594;<\/span><\/a><br \/>\n<a class=\"ss-cluster-item\" href=\"\/lrg-blog\/va-loan-after-foreclosure-short-sale-texas\/\"><span>VA loan after a previous foreclosure or short sale<\/span><span class=\"ar\">&#8594;<\/span><\/a>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"ss-section\">\n<div class=\"ss-wrap\">\n<div class=\"ss-proof\">\n<div class=\"ss-proof-stars\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/div>\n<h3>Veteran-owned. Broker-reviewed.<\/h3>\n<p>LRG Realty is a veteran-owned brokerage in San Antonio, Austin, and Killeen. Every guide on this page is reviewed by Mayra Torres, Managing Broker (TREC #629251). Levi Rodgers, Founder, built this team to serve military families and Texas homeowners.<\/p>\n<p><a href=\"https:\/\/www.google.com\/maps\/place\/The+Levi+Rodgers+Real+Estate+Group\/@29.510895,-98.581972,17z\/\" target=\"_blank\" rel=\"noopener\">See our Google reviews &#8594;<\/a>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"ss-section\">\n<div class=\"ss-wrap\">\n<h2 class=\"ss-h2\" id=\"all-short-sales-articles\">All <em>Short Sales<\/em> articles<\/h2>\n<div class=\"ss-blog-grid\"><a class=\"ss-blog-card\" href=\"https:\/\/lrgrealty.com\/lrg-blog\/keep-sell-rent-pcs-thin-equity-texas\/\"><img decoding=\"async\" src=\"https:\/\/lrgrealty.com\/wp-content\/uploads\/2026\/08\/post-9667-final-1024x683.jpg\" alt=\"Keep, Sell, or Rent During PCS When Equity Is Thin\" loading=\"lazy\"><div class=\"ss-blog-card-body\"><h3>Keep, Sell, or Rent During PCS When Equity Is Thin<\/h3><p>Decision \u00b7 Guide Military families hit with PCS orders and an underwater mortgage in Texas face three paths: keep the home, sell...<\/p><span class=\"ss-blog-meta\">Aug 14, 2026<\/span><\/div><\/a><a class=\"ss-blog-card\" href=\"https:\/\/lrgrealty.com\/lrg-blog\/sell-house-behind-on-payments-texas\/\"><img decoding=\"async\" src=\"https:\/\/lrgrealty.com\/wp-content\/uploads\/2026\/08\/post-9664-final-1024x683.jpg\" alt=\"Can You Sell a House If You Are Behind on Payments in Texas\" loading=\"lazy\"><div class=\"ss-blog-card-body\"><h3>Can You Sell a House If You Are Behind on Payments in Texas<\/h3><p>Decision \u00b7 Guide Texas homeowners behind on mortgage payments can still sell their property because missed payments do not strip legal ownership...<\/p><span class=\"ss-blog-meta\">Aug 14, 2026<\/span><\/div><\/a><a class=\"ss-blog-card\" href=\"https:\/\/lrgrealty.com\/lrg-blog\/texas-foreclosure-timeline\/\"><img decoding=\"async\" src=\"https:\/\/lrgrealty.com\/wp-content\/uploads\/2026\/08\/post-9865-featured-1024x683.jpg\" alt=\"Texas Foreclosure Timeline: How Fast Can It Happen\" loading=\"lazy\"><div class=\"ss-blog-card-body\"><h3>Texas Foreclosure Timeline: How Fast Can It Happen<\/h3><p>Texas uses non-judicial foreclosure, which can move from the notice of intent to accelerate to a trustee sale in as few as...<\/p><span class=\"ss-blog-meta\">Aug 13, 2026<\/span><\/div><\/a><a class=\"ss-blog-card\" href=\"https:\/\/lrgrealty.com\/lrg-blog\/deficiency-judgment-texas\/\"><img decoding=\"async\" src=\"https:\/\/lrgrealty.com\/wp-content\/uploads\/2026\/08\/post-9862-featured-1024x683.jpg\" alt=\"Deficiency Judgments in Texas After a Short Sale or Foreclosure\" loading=\"lazy\"><div class=\"ss-blog-card-body\"><h3>Deficiency Judgments in Texas After a Short Sale or Foreclosure<\/h3><p>Texas Property Code 51.003 governs deficiency judgments after foreclosure trustee sales. A lender has two years to pursue the difference between the...<\/p><span class=\"ss-blog-meta\">Aug 13, 2026<\/span><\/div><\/a><a class=\"ss-blog-card\" href=\"https:\/\/lrgrealty.com\/lrg-blog\/short-sale-process-texas\/\"><img decoding=\"async\" src=\"https:\/\/lrgrealty.com\/wp-content\/uploads\/2026\/08\/post-9856-featured-1024x683.jpg\" alt=\"Short Sale Process in Texas: Step by Step\" loading=\"lazy\"><div class=\"ss-blog-card-body\"><h3>Short Sale Process in Texas: Step by Step<\/h3><p>A short sale in Texas requires lender approval to sell for less than the mortgage balance. The process typically takes 60 to...<\/p><span class=\"ss-blog-meta\">Aug 13, 2026<\/span><\/div><\/a><a class=\"ss-blog-card\" href=\"https:\/\/lrgrealty.com\/lrg-blog\/sell-house-negative-equity-texas\/\"><img decoding=\"async\" src=\"https:\/\/lrgrealty.com\/wp-content\/uploads\/2026\/08\/post-9853-featured-1024x683.jpg\" alt=\"How to Sell a House with Negative Equity in Texas\" loading=\"lazy\"><div class=\"ss-blog-card-body\"><h3>How to Sell a House with Negative Equity in Texas<\/h3><p>Texas homeowners who owe more than their home is worth have several paths: bring cash to closing, negotiate a short sale, pursue...<\/p><span class=\"ss-blog-meta\">Aug 13, 2026<\/span><\/div><\/a><a class=\"ss-blog-card\" href=\"https:\/\/lrgrealty.com\/lrg-blog\/pcs-underwater-mortgage-military-options-texas\/\"><img decoding=\"async\" src=\"https:\/\/lrgrealty.com\/wp-content\/uploads\/2026\/08\/post-9773-final-1024x683.jpg\" alt=\"PCS with an Underwater Mortgage: Military Options in Texas\" loading=\"lazy\"><div class=\"ss-blog-card-body\"><h3>PCS with an Underwater Mortgage: Military Options in Texas<\/h3><p>Military families PCSing from Texas with an underwater mortgage face a compressed timeline and limited options. This guide covers VA compromise sales,...<\/p><span class=\"ss-blog-meta\">Aug 9, 2026<\/span><\/div><\/a><a class=\"ss-blog-card\" href=\"https:\/\/lrgrealty.com\/lrg-blog\/short-sale-vs-foreclosure-texas\/\"><img decoding=\"async\" src=\"https:\/\/lrgrealty.com\/wp-content\/uploads\/2026\/08\/post-9774-final-1024x683.jpg\" alt=\"Short Sale vs Foreclosure in Texas: Which Is Better for You?\" loading=\"lazy\"><div class=\"ss-blog-card-body\"><h3>Short Sale vs Foreclosure in Texas: Which Is Better for You?<\/h3><p>A short sale and a foreclosure both resolve a mortgage you cannot repay, but they differ in timeline, credit impact, and whether...<\/p><span class=\"ss-blog-meta\">Aug 9, 2026<\/span><\/div><\/a><a class=\"ss-blog-card\" href=\"https:\/\/lrgrealty.com\/lrg-blog\/options-cant-afford-sell-texas-home\/\"><img decoding=\"async\" src=\"https:\/\/lrgrealty.com\/wp-content\/uploads\/2026\/08\/post-9765-final-1024x683.jpg\" alt=\"Your Options When You Can&#8217;t Afford to Sell Your Texas Home\" loading=\"lazy\"><div class=\"ss-blog-card-body\"><h3>Your Options When You Can&#8217;t Afford to Sell Your Texas Home<\/h3><p>Texas homeowners who owe more than their home is worth or cannot cover selling costs have several paths forward. This guide walks...<\/p><span class=\"ss-blog-meta\">Aug 9, 2026<\/span><\/div><\/a><a class=\"ss-blog-card\" href=\"https:\/\/lrgrealty.com\/lrg-blog\/va-loan-after-foreclosure-short-sale-texas\/\"><img decoding=\"async\" src=\"https:\/\/lrgrealty.com\/wp-content\/uploads\/2026\/06\/lrg-8688-gpt-featured-1024x683.jpg\" alt=\"VA Loan After a Previous Foreclosure or Short Sale in Texas\" loading=\"lazy\"><div class=\"ss-blog-card-body\"><h3>VA Loan After a Previous Foreclosure or Short Sale in Texas<\/h3><p>Definition \u00b7 Guide Educational Notice: The Levi Rodgers Group provides real estate transaction services, not legal or tax advice. The information below...<\/p><span class=\"ss-blog-meta\">Jul 2, 2026<\/span><\/div><\/a><a class=\"ss-blog-card\" href=\"https:\/\/lrgrealty.com\/lrg-blog\/selling-home-pcs-no-equity-texas\/\"><img decoding=\"async\" src=\"https:\/\/lrgrealty.com\/wp-content\/uploads\/2026\/06\/lrg-8714-gpt-featured-1024x683.jpg\" alt=\"Selling a Home During a PCS With Little or No Equity\" loading=\"lazy\"><div class=\"ss-blog-card-body\"><h3>Selling a Home During a PCS With Little or No Equity<\/h3><p>Process \u00b7 Guide PCSing out of Texas with little or no equity doesn&#8217;t mean you&#8217;re trapped. Military homeowners typically face three paths:...<\/p><span class=\"ss-blog-meta\">Jul 2, 2026<\/span><\/div><\/a><a class=\"ss-blog-card\" href=\"https:\/\/lrgrealty.com\/lrg-blog\/short-sale-process-guide-texas\/\"><img decoding=\"async\" src=\"https:\/\/lrgrealty.com\/wp-content\/uploads\/2026\/08\/short-sale-process-guide-texas-featured-1024x683.jpg\" alt=\"Short Sale Process Guide: How Short Sales Work in Texas\" loading=\"lazy\"><div class=\"ss-blog-card-body\"><h3>Short Sale Process Guide: How Short Sales Work in Texas<\/h3><p>A step-by-step guide to the Texas short sale process for buyers and sellers. Covers timeline, costs, lender requirements, pre-approval strategy, and common...<\/p><span class=\"ss-blog-meta\">Aug 15, 2024<\/span><\/div><\/a><\/div><\/div>\n<\/div>\n<div class=\"ss-section\">\n<div class=\"ss-wrap\">\n<div class=\"ss-close-cta\">\n<h2 id=\"ready-to-talk-through-your-situation\">Ready to talk through <em>your situation?<\/em><\/h2>\n<p>A confidential conversation with a licensed Texas real estate agent. No cost, no obligation. We will walk through where you stand and what makes sense.<\/p>\n<p><a class=\"ss-btn\" href=\"\/lrg-blog\/connect-with-lrg\/?ref=short-sales\">Get My Free Home Equity Analysis &#8594;<\/a>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"ss-archive-link\">\n<a href=\"\/lrg-blog\/topics\/short-sales\/\">Browse all Short Sales articles &#8594;<\/a>\n<\/div>\n<div class=\"ss-wrap\">\n<div class=\"ss-ed-notice\">\n<strong>Educational Notice.<\/strong> The information on this page is for general educational purposes only. It is not legal, tax, or financial advice, and it does not create an attorney-client, fiduciary, or advisory relationship. Laws, regulations, and market conditions change. Consult a licensed Texas real estate attorney, CPA, or HUD-approved housing counselor about your specific situation. Free housing counseling is available at 1-800-569-4287.\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>LRG Realty &middot; Short Sales Texas Short Sale Guide: Your Options When You&#8217;re Underwater If you owe more than your home is worth, you have more options than you might think. This page walks through every path available to Texas homeowners, with guides written for your situation and a tool that estimates where you stand. [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-10041","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Texas Short Sale Guide: Your Options When You&#039;re Underwater - LRG Realty Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lrgrealty.com\/lrg-blog\/short-sales\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Texas Short Sale Guide: Your Options When You&#039;re Underwater - LRG Realty Blog\" \/>\n<meta property=\"og:description\" content=\"LRG Realty &middot; Short Sales Texas Short Sale Guide: Your Options When You&#8217;re Underwater If you owe more than your home is worth, you have more options than you might think. 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