Payoff Comes First
Debt changes the seller’s real outcome.
What it means
Mortgage payoff, second liens, equity lines, or other secured obligations can change the seller’s proceeds before any other planning conversation gets very far.
Why sellers miss it
Price is visible. Net is private, conditional, and full of assumptions. That is why the bottom-line conversation usually needs its own lane.
What can change it
- mortgage payoff
- seller credits
- repairs
- closing costs
- transfer costs
- compensation
- timing
- title issues
- tax considerations
Seller question
What payoff numbers need to be verified before I rely on my net?
Quiet next step
This is the kind of question a private seller-net conversation is designed to organize.