No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
You are talking about a cash out mortgage. this can be done of course, but I think it depends upon your credit, income, and the equity in the hosue verse what you want to withdrawl.
There is no transfer of "debt". The bank that is financing the purchase wires cash to the escrow account who then in turn uses that cash to pay off all items set up in the escrow account (including the original home loan). the loan balance is not transfered to another person, it is paid off with money from the new lender when the new buyer takes on an entirely new loan. In either case, the buyers bank will have absolutely no problem wiring the money to escrow who will in-turn wire it to the account that you designate. The only issue would be if you needed the money to go to someone else's account (i.e you did not have a bank account). I don't think they can do that.
To simplify, there should be no problem for you to sell the house to someone based upon the fact that you do not have a loan currently on the house as long as:
There are no liens on the house that are not taken care of in the process
The house appraises for the amount you and the buyer agree to sell it for
The buyer gets approveed for the financing
You have a valid bank account in the name of the person who is on the deed of the property you are selling.