Selling a House in Minnesota With a Mortgage Still on It

Owning a home with a mortgage doesn't mean you're stuck until the loan is gone. Many homeowners in Minnesota sell their houses with an active mortgage, and in most cases, it's easier than they expect.

A direct cash sale from a legitimate buyer like MSP Offer makes the process clear, quick, and stress-free.

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!

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SEOREI - AI Tired owner 8

Mortgages Don't Block a Home Sale

Selling with an outstanding loan is common. At closing, the balance of the mortgage is paid off directly from the sale proceeds. That means the debt doesn't carry over to the next chapter of your life. Instead, it's resolved immediately when the property changes hands.

This simple step makes it possible to sell even if you've been making payments for years, or just a few months.

If the house also needs major updates, see our Homes That Are Hard to Sell in Minnesota, and Why Cash Buyers Still Want Them.

Hear From Other Homeowners

Homeowners across Maryland trust MSP Offer to make their probate property sales seamless and stress-free. Here's what they have to say about their experience.

"Gene was great! Very professional and easy to talk with about all the steps involved."

Antoinette Walker - Review - MSP Offer

Antoinette Walker

2024-07-23

"Very patient and able to close fast!"

Xai Xiong - Review - MSP Offer

Xai Xiong

2024-03-20

"Gene was great very transparent about the process making it easy and stress free!"

Erica Roper - Review - MSP Offer

Erica Roper

2024-07-19

Read More Reviews

Cash Sales Keep the Timeline Short

Traditional sales require waiting for buyers, lenders, and appraisers, which can drag on for months. During that time, you're still making mortgage payments.

A cash sale from a legitimate buyer in Minnesota shortens the timeline dramatically, allowing you to stop paying sooner and close quickly.

This benefit is especially valuable for owners juggling two mortgages at once, such as during relocation. Learn more about Selling Your Minnesota House Without Listing It.

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Equity Determines What You Take Home

The amount you walk away with depends on how much equity you've built. If you owe less than the property is worth, the difference becomes cash in your pocket at closing. Even if you're close to break-even, selling can free you from the burden of monthly payments.

For properties with limited equity, a fast sale still removes the stress of carrying debt later down the line.

For more on how numbers are calculated, read What Determines a Cash Offer Price for a Minnesota Home.

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!

  • This field is for validation purposes and should be left unchanged.

Yevgeny Vaynberg - Owner - We Buy Houses in Minneapolis MN

A Simple Way to Sell With a Loan in Place

Having a mortgage doesn't mean waiting years to sell. A direct cash offer from a buyer like MSP Offer makes the process straightforward, from paying off the loan balance to putting money back in your hands.

  • Mortgage balance paid at closing
  • Quick, certain sale
  • No extra stress or delays

Ready to sell your house even with a mortgage still attached? Contact us by filling out the form to request your cash offer now.