If I move out of my home, how long do I have to sell my home?

Although the question is lacking clarity, there are several potential issues. If there is a Reverse Mortgage secured by the property, The note usually calls for the loan to be paid off within 180 days of you permanently vacating the property. There are provisions if the reason is because you were in a Nursing facility, but then, only for twelve months. If your home is securing a more traditional mortgage (forward mortgage), then there is no time limit, but there are potential problems...Your insurance company may cancel the insurance because the home is vacant. The home could be vandalized in your absence. The home could be occupied by a transient or others who could stake a "Squatter's Right claim against the property. If you would provide more detail, I'd be happy to give you a more precise answer. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

As far are you lender in concerned, as long as you are making your mortgage payment on time every month they most likely won't care. Now for your insurance company they normally don't like the home to be vacant more than 30 - 60 days, they may decide to discontinue your policy. Your lender will always require that you have insurance on the property, or they will forcible place it on the property, and its not cheap. My question for you would be will selling it require you to do a short sale?

sorry, As far as your lender is concerned

You can take as long as you need to sell your home, as long as you continue to make the mortgage, utility, property tax and homeowners insurance payments on it.

To prevent an extended period of vacancy you could sell on a lease-to-own or a real estate contract.... or just rent it out. If you have recently (within the last 12 months) refinanced it as an owner occupied residence your lender will have an issue with it being leased/rented. Just be aware of that.