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What Makes a House “Unmortgageable”?
Mortgage lenders won’t lend money on properties that pose too much risk or don’t meet certain standards. This usually includes homes that are:
- In severe disrepair or uninhabitable
- Lacking a working kitchen or bathroom
- Missing major systems (like plumbing or heating)
- Structurally unsound
- In legal limbo due to title issues, liens, or tax problems
- Non-compliant with zoning or building regulations
- Occupied by tenants or squatters without clear leases
A home like this can’t qualify for a conventional mortgage. That means most retail buyers can’t buy it, even if they want to.
If your house falls into any of these categories, you may want to read this breakdown on what your realtor won’t tell you about selling a problem property in Maryland. It explains exactly why agents struggle to close deals on homes like yours and why direct buyers are often the best solution.
Why Traditional Sales Fall Apart
You might list the house with a real estate agent and even get an offer. But once the bank sends an appraiser or inspector? Deals collapse fast.
Here’s why:
- Banks require appraisal approval. If the home can’t meet basic livability standards, the buyer won’t get financing.
- Inspection reports scare buyers. Most people aren’t looking to tackle foundation issues, roof replacements, or mold remediation.
- Repairs take time and money. Even if you can find a buyer, they may want you to fix everything before closing.
It’s a stressful process and it doesn’t guarantee a sale.
What Our Customers Are Saying
See why many people recommend us to be your local Maryland homebuyers.
Brett is an exceptional man with intelligence, honesty, foresight, vision and best f all LOYALTY! I have been a Realtor since 1998 and have never been fond of the investment buying process until Brett! I love working with him as his Realtor. I am so honored that he chose myself to do this job and I am so excited for the years to come!
Michele Michael
I am so happy to have found Tyler and Brett at ACE. In a world where everyone is out for themselves, these men are both a breath of fresh air. They are upfront and honest and made our transaction so seamless and easy. Very easy to work with and I will 100% recommend them to others and do business with them again, given the opportunity.
Olga Michaelidis
Calling Ace Homebuyers was the best decision I made when looking to help sell my parent’s house. Tyler and Brett are not only very professional, but they made the process super easy. They took care of everything. After my Dad passed away, we need to move my mom closer to my siblings. This required us to sell the house that my parents spent 41 years in.
Jeffrey Mogus
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Fill out this form to get your no-obligation all cash offer started!
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Common Situations Where We Buy Unmortgageable Homes
Maryland homeowners come to us with all kinds of challenges. Here are a few examples of unmortgageable homes we’ve purchased:
Inherited Homes
You just inherited a house full of stuff, with unpaid taxes and an aging roof. Listing it would take months and thousands of dollars. We make it simple.
Vacant or Abandoned Properties
Unattended homes often have plumbing issues, pest problems, or city violations. We take care of all that. Check out our resource on how to sell a house with code violations in Maryland to see how others in your situation handled it.
Hoarder Houses
You don’t need to clean a thing. We’ve bought homes with floor-to-ceiling clutter and handled every step post-sale.
Fire or Water-Damaged Homes
When insurance doesn’t cover the full repair costs, we’re still able to make offers on what remains.
Foreclosure or Pre-Foreclosure
Avoid a foreclosure on your record. Selling fast can stop the process and protect your credit.
Homes with Liens
Tax liens, mechanics’ liens, or even old HOA dues can make a home unsellable on the market. That’s why we’ve outlined your options in this guide on how to sell your house with liens in Maryland.
Whatever the situation, if you’re thinking, “No one would ever buy this,” know that ACE HomeBuyers, LLC will. That’s what we do.
Sell Your House Fast in Maryland Without Making a Single Repair
Here’s the truth: you don’t need a traditional buyer, and you don’t need a mortgage-backed offer.
What you need is a real cash buyer like ACE HomeBuyers, LLC.
We buy houses in all conditions across Maryland, including Baltimore, Montgomery County, Prince George’s, Anne Arundel, and beyond. It doesn’t matter if the ceiling caves in or if the property has back taxes - we’ll make you a fair all-cash offer in 24 hours.
Our home-buying process is simple:
1. Tell us about the property
Fill out the quick form on our homepage or give us a call. No lengthy disclosures or paperwork - just the basics.
2. We evaluate and send you a cash offer
We’ll take a look at the home (as-is) and present a clear offer - no banks, no conditions, and no commissions.
3. Pick your closing date
Need to move fast? Want a few weeks? You’re in control. Close in as little as 7 days, and walk away with cash in your hands.
Reasons Maryland Homeowners Choose ACE HomeBuyers, LLC
- We Buy As-Is: No repairs, clean-outs, or renovations.
- No Agent Fees: You keep more of your money.
- Flexible Closing Dates: Move on your schedule.
- Transparent Process: No hidden fees.
- Local Experts: We understand Maryland’s real estate market inside and out.
When you work with ACE HomeBuyers, LLC, you're working with a professional buyer - not a middleman, not a wholesaler. That means we buy houses directly, and your offer comes with certainty.
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!
Get a Fair Cash Offer Today
Stop worrying about repairs, open violations, or how your house will pass an inspection. If you’re saying, “I need to sell my house fast in Maryland,” the answer is simple: ACE HomeBuyers, LLC buys houses just like yours.
You can skip the delays, the showings, and the stress. Contact us today and we’ll give you a fair all-cash offer, and you can sell your house on your terms.