Does putting my house in a trust affect my mortgage?

Usually, transferring your home to your revocable living trust does not change the day-to-day mortgage payment.

You still pay the mortgage. You still live in the home. You still maintain insurance and taxes.

That said, every mortgage and property situation is different. If there is a refinance, pending sale, unusual loan, or lender question, it is worth reviewing before signing a deed.

*Reviewed by Estate Planning Attorney Casey Connealy, Partner at Gaughan & Connealy Estate Planning Attorneys on June 23, 2026.