{"id":4903,"date":"2025-06-26T06:00:07","date_gmt":"2025-06-26T13:00:07","guid":{"rendered":"https:\/\/www.homelight.com\/blog\/?p=4903"},"modified":"2025-06-27T03:45:26","modified_gmt":"2025-06-27T10:45:26","slug":"sell-home-with-mortgage","status":"publish","type":"post","link":"https:\/\/www.homelight.com\/blog\/sell-home-with-mortgage\/","title":{"rendered":"Can You Sell a House With a Mortgage?"},"content":{"rendered":"

If you currently owe money on your home loan and are ready to move, you may be grappling with whether you can sell the home<\/a> before paying it off. What happens when you sell a home with a mortgage? Do you need to pay it off before you sell?<\/p>\n

To cut right to the chase: You can absolutely sell a home with a mortgage. In fact, it happens all the time. Most mortgages come with 15- or 30-year terms<\/a>, while the average time people lived in their homes before selling was 15 years<\/a>, according to data from the National Association of Realtors\u00ae (NAR).<\/p>\n\n\n\n\n\n

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What's Your Home Worth?<\/h3>\n

Request an instant home value estimate to for a ballpark estimation of how much equity you have before selling a house with a mortgage.<\/p>\n \n

\n Get Estimate<\/a>\n <\/div>\n <\/div>\n<\/div>\n\n\n

\u201cHere\u2019s the big thing to understand: Most people have mortgages on their homes,\u201d says Kevin Bartlett,<\/a> a top real estate agent in Southwest Florida<\/a> who sells homes 49% quicker than other agents in his market. \u201cAnd since the average person stays in their home for less than ten years, it\u2019s extremely common to sell a home with a mortgage.\u201d<\/p>\n

So thankfully, you are not stuck in a home until you pay off every last dollar<\/a>. Read on for what you need to know about what happens when you sell a home with mortgage, plus insights on how to gauge the right time to sell<\/a> and set the perfect asking price<\/a> when you still owe on the home.<\/p>\n","protected":false},"excerpt":{"rendered":"

It\u2019s extremely common to sell a home with a mortgage \u2014 but there are some things you need to know to pull off a speedy and profitable sale.<\/p>\n","protected":false},"author":278,"featured_media":40399,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"cybocfi_hide_featured_image":"","footnotes":""},"categories":[343,322],"tags":[251,318],"class_list":["post-4903","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finances","category-logistics","tag-how-to-sell-a-house","tag-mortgages"],"acf":[],"yoast_head":"\nCan You Sell a House With a Mortgage?<\/title>\n<meta name=\"description\" content=\"It\u2019s extremely common to sell a home with a mortgage \u2014 but there are some things you need to know to pull off a speedy and profitable sale.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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