How to sell your house if you don’t have any equity.


It’s not impossible to sell your house if you don’t have any equity but it definitely can be challenging. Equity is the difference between the value of your home and the amount you owe on your mortgage. If you have no equity, it means that you owe more on your mortgage than your home is worth. But don’t despair! There are still ways to sell your house even if you have no equity.

Here are a few options to consider:

1.      Sell to a cash buyer: One option is to try and find a cash buyer who is willing to pay for your home in full, without the need for a mortgage. This can be a good option if you’re in a hurry to sell and don’t have time to wait for a traditional sale. Keep in mind, however, that cash buyers may expect a discount on the purchase price.

2.      Sell through a short sale: A short sale is when you sell your home for less than the amount you owe on your mortgage. This requires the approval of your lender, who may be willing to accept the lower amount in order to avoid the cost and hassle of a foreclosure. Keep in mind that a short sale can be a lengthy and complicated process, and it may have a negative impact on your credit score.

3.      Rent out your home: If you’re not in a rush to sell, you may want to consider renting out your home instead. This can give you some extra income and may help you build up some equity over time. Just be sure to do your research and understand the responsibilities and risks of being a landlord.

4.      Sell to a real estate investor sub-to: Another option is to sell your home to a real estate investor sub-to, meaning they will take over your loan. No out-of-pocket costs to you. This can be a quick and hassle-free way to sell your home because there’s no need for someone to get a loan to pay off your loan. You can sometimes get the buyer to even pay off your back payments to bring your loan current if you’re behind. Click Here for a more detailed discussion on the benefits of sub-to.


Selling a house with no equity can be a challenge, but it’s not impossible. By considering all of your options and working with Peace Home Offers, trusted real estate professionals, you can find a solution that works for you. Contact Us for a free, no-obligation consultation. 

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