Question about us selling our home

What a whirlwind situation — relocating nearly 2,000 miles in under a month with a home, a dog, and garden beds full of memories is no small feat. You're clearly thoughtful homeowners trying to make the best decision under serious time pressure, so let's break down your options practically.

First, the mortgage assumption route for your parents can work, but it's worth knowing that most conventional loans aren't freely assumable. FHA and VA loans typically are, so check your loan type first. The lender will also need to qualify your parents independently, which can take 60–90 days — not ideal when you're already stretched thin.

If the assumption falls through or takes too long, here are a few paths worth considering:

Traditional listing: Given the home's features — four bedrooms, multiple outdoor spaces, a screened porch — a real estate agent could likely fetch strong market value. However, this route takes time, involves repairs, showings, and closing contingencies that could stretch out 60–90 days or more.

Cash offer from a direct buyer: If speed is a priority and you'd rather skip repairs, negotiations, and uncertainty, a cash offer from a direct buyer allows you to move fast and close on your timeline. This is especially useful if you're managing two housing costs simultaneously after your husband's job relocation. Companies and investors who make cash offers often structure deals as an as-is purchase, meaning you won't need to fix anything before closing.

Owner financing: If your parents don't qualify for a traditional assumption, you could explore owner financing, where your parents make payments directly to you. This keeps the home in trusted hands while generating monthly income — though it does require legal documentation and financial planning.

For a property with a large fenced backyard and separate dog run, you may also have more land value than you realize, especially if the lot is sizable. That could open additional options, including selling to buyers specifically looking for outdoor-friendly or multi-use properties.

Bottom line: If you need to sell land fast or simply need certainty and speed, a cash offer or as-is purchase could relieve a lot of stress during an already overwhelming transition. Consulting a real estate attorney alongside a trusted agent — or reaching out to a direct buyer for a no-obligation quote — can help you compare all options clearly before committing.

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