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Nessa Goldman

Answers by Nessa Goldman

1 answers · 5 pts

Can I sell as-is if I still owe a lot on my mortgage?

Asked by Reagan M | Aurora, CO | 03-16-2026

Nessa Goldman
Nessa Goldman03-16-2026 (4 weeks ago)

The short answer is yes, you can absolutely list your home “as-is.” That simply means you’re not planning to make repairs before selling. However, the condition of the home does play a big role in who will be able to purchase it. If there are significant issues like a roof nearing the end of its life or foundation concerns, some traditional financing options may be more challenging. Certain loan types have stricter property requirements, which can limit the pool of buyers. That said, there are still plenty of options—cash buyers, investors, or buyers using renovation loans are often a great fit for homes in need of work. In these situations, pricing and positioning are especially important. The goal is to attract the right buyers from the start so you don’t end up in a contract that falls apart later due to financing or inspection issues.