{"id":4903,"date":"2025-11-25T04:00:07","date_gmt":"2025-11-25T12:00:07","guid":{"rendered":"https:\/\/www.homelight.com\/blog\/?p=4903"},"modified":"2025-11-26T12:47:41","modified_gmt":"2025-11-26T20:47:41","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 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 10- or 30-year terms<\/a>, while the median time people lived in their homes before selling was 11 years<\/a>, according to data from the National Association of Realtors (NAR).<\/p>\n\n\n\n\n\n

\n
\n
\n \"homelight\n <\/div>\n \n

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 has 98% of his listings sold. \u201cAnd since the average person stays in their home for less than 10 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 a 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\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.homelight.com\/blog\/sell-home-with-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can You Sell a House With a Mortgage?\" \/>\n<meta property=\"og: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 property=\"og:url\" content=\"https:\/\/www.homelight.com\/blog\/sell-home-with-mortgage\/\" \/>\n<meta property=\"og:site_name\" content=\"HomeLight Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/gohomelight\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-25T12:00:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-26T20:47:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/hl-blog.homelight.com\/wp-content\/uploads\/2024\/01\/Can-You-Sell-a-House-With-a-Mortgage-1-min.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"563\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Evelyn Waugh\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@gohomelight\" \/>\n<meta name=\"twitter:site\" content=\"@gohomelight\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Evelyn Waugh\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"23 minutes\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Can You Sell a House With a Mortgage?","description":"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.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.homelight.com\/blog\/sell-home-with-mortgage\/","og_locale":"en_US","og_type":"article","og_title":"Can You Sell a House With a Mortgage?","og_description":"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.","og_url":"https:\/\/www.homelight.com\/blog\/sell-home-with-mortgage\/","og_site_name":"HomeLight Blog","article_publisher":"https:\/\/www.facebook.com\/gohomelight\/","article_published_time":"2025-11-25T12:00:07+00:00","article_modified_time":"2025-11-26T20:47:41+00:00","og_image":[{"width":1000,"height":563,"url":"https:\/\/hl-blog.homelight.com\/wp-content\/uploads\/2024\/01\/Can-You-Sell-a-House-With-a-Mortgage-1-min.jpg","type":"image\/jpeg"}],"author":"Evelyn Waugh","twitter_card":"summary_large_image","twitter_creator":"@gohomelight","twitter_site":"@gohomelight","twitter_misc":{"Written by":"Evelyn Waugh","Est. reading time":"23 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":["Article","BlogPosting"],"@id":"https:\/\/www.homelight.com\/blog\/sell-home-with-mortgage\/#article","isPartOf":{"@id":"https:\/\/www.homelight.com\/blog\/sell-home-with-mortgage\/"},"author":{"name":"Evelyn Waugh","@id":"https:\/\/www.homelight.com\/blog\/#\/schema\/person\/8fcdc39cd237bbe9a934dbedc23a1d1b"},"headline":"Can You Sell a House With a Mortgage?","datePublished":"2025-11-25T12:00:07+00:00","dateModified":"2025-11-26T20:47:41+00:00","mainEntityOfPage":{"@id":"https:\/\/www.homelight.com\/blog\/sell-home-with-mortgage\/"},"wordCount":225,"publisher":{"@id":"https:\/\/www.homelight.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.homelight.com\/blog\/sell-home-with-mortgage\/#primaryimage"},"thumbnailUrl":"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2024\/01\/Can-You-Sell-a-House-With-a-Mortgage-1-min.jpg","keywords":["How to Sell a House","Mortgages"],"articleSection":["Finances & Tax Implications","Logistics"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.homelight.com\/blog\/sell-home-with-mortgage\/","url":"https:\/\/www.homelight.com\/blog\/sell-home-with-mortgage\/","name":"Can You Sell a House With a Mortgage?","isPartOf":{"@id":"https:\/\/www.homelight.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.homelight.com\/blog\/sell-home-with-mortgage\/#primaryimage"},"image":{"@id":"https:\/\/www.homelight.com\/blog\/sell-home-with-mortgage\/#primaryimage"},"thumbnailUrl":"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2024\/01\/Can-You-Sell-a-House-With-a-Mortgage-1-min.jpg","datePublished":"2025-11-25T12:00:07+00:00","dateModified":"2025-11-26T20:47:41+00:00","description":"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.","breadcrumb":{"@id":"https:\/\/www.homelight.com\/blog\/sell-home-with-mortgage\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.homelight.com\/blog\/sell-home-with-mortgage\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.homelight.com\/blog\/sell-home-with-mortgage\/#primaryimage","url":"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2024\/01\/Can-You-Sell-a-House-With-a-Mortgage-1-min.jpg","contentUrl":"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2024\/01\/Can-You-Sell-a-House-With-a-Mortgage-1-min.jpg","width":1000,"height":563,"caption":"Sources: (Hooman R.\/ Unsplash)"},{"@type":"BreadcrumbList","@id":"https:\/\/www.homelight.com\/blog\/sell-home-with-mortgage\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.homelight.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Can You Sell a House With a Mortgage?"}]},{"@type":"WebSite","@id":"https:\/\/www.homelight.com\/blog\/#website","url":"https:\/\/www.homelight.com\/blog\/","name":"HomeLight Blog","description":"Real Estate Advice from America's Top Agents","publisher":{"@id":"https:\/\/www.homelight.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.homelight.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.homelight.com\/blog\/#organization","name":"HomeLight","url":"https:\/\/www.homelight.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.homelight.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2017\/11\/logo-hr-color.png","contentUrl":"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2017\/11\/logo-hr-color.png","width":1348,"height":262,"caption":"HomeLight"},"image":{"@id":"https:\/\/www.homelight.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/gohomelight\/","https:\/\/x.com\/gohomelight","https:\/\/www.linkedin.com\/company\/homelight\/","https:\/\/www.youtube.com\/channel\/UCimugR9XF17-OZ7B9fNnxWw","https:\/\/en.wikipedia.org\/wiki\/HomeLight"],"description":"Everything you need to know to sell your house faster and for more money. Articles, guides, and advice from top agents all over the U.S.","email":"support@homelight.com","telephone":"(888) 688-0350","legalName":"HomeLight","foundingDate":"2012-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"201","maxValue":"500"}},{"@type":"Person","@id":"https:\/\/www.homelight.com\/blog\/#\/schema\/person\/8fcdc39cd237bbe9a934dbedc23a1d1b","name":"Evelyn Waugh","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.homelight.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/5f89d2116d87785eaba4cb8c8046c2072553626d6460c34ad43114dd46acd546?s=96&d=blank&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/5f89d2116d87785eaba4cb8c8046c2072553626d6460c34ad43114dd46acd546?s=96&d=blank&r=g","caption":"Evelyn Waugh"},"description":"Evelyn Waugh is a writer based in Portland, Maine. She's covered real estate, modern interior design, home goods, and consumer trends for various outlets, including Portland Monthly Magazine and the Chicago Tribune.","url":"https:\/\/www.homelight.com\/blog\/author\/evelyn-waugh\/"}]}},"_links":{"self":[{"href":"https:\/\/www.homelight.com\/blog\/wp-json\/wp\/v2\/posts\/4903","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.homelight.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.homelight.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.homelight.com\/blog\/wp-json\/wp\/v2\/users\/278"}],"replies":[{"embeddable":true,"href":"https:\/\/www.homelight.com\/blog\/wp-json\/wp\/v2\/comments?post=4903"}],"version-history":[{"count":0,"href":"https:\/\/www.homelight.com\/blog\/wp-json\/wp\/v2\/posts\/4903\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.homelight.com\/blog\/wp-json\/wp\/v2\/media\/40399"}],"wp:attachment":[{"href":"https:\/\/www.homelight.com\/blog\/wp-json\/wp\/v2\/media?parent=4903"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.homelight.com\/blog\/wp-json\/wp\/v2\/categories?post=4903"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.homelight.com\/blog\/wp-json\/wp\/v2\/tags?post=4903"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}