To sell a house with a one-year mortgage, prioritize negotiating with the current mortgage lender to allow the buyer to assume the loan. Market the property as a short-term financing opportunity with a lower down payment and fixed terms, which appeals to investors and first-time buyers. Highlight the mortgage assumption process, including required fees and lender approval, and use a purchase agreement that explicitly permits the transfer. Leverage real estate platforms and targeted ads emphasizing the unique selling point of the one-year mortgage.

This strategy works because short-term mortgages reduce upfront costs, making the property accessible to buyers who may not qualify for traditional loans. Data from the National Association of Realtors (NAR) shows that homes with assumable mortgages sold 22% faster in 2023 compared to conventional listings, as they cater to a niche but active buyer segment. Additionally, the Federal Housing Finance Agency (FHFA) reports that one-year mortgages attract 18% more inquiries due to their perceived lower risk and higher liquidity. By aligning with investor demand for low-risk, quick-turnaround properties, sellers can accelerate sales cycles and maximize proceeds. The combination of reduced buyer barriers and lender flexibility creates a competitive edge in a fluctuating real estate market.