Muslim Jurists have unanimously agreed that Hajj is obligatory upon anyone who is able to perform it, based on the verse in which Allah says: (Pilgrimage thereto is a duty men owe to Allah, those who can afford the journey…) (Aal `Imran 3:97).
Sheikh Ahmad Kutty, a senior lecturer and Islamic scholar at the Islamic Institute of Toronto, Ontario, Canada, states: If your monthly mortgage payments are due and outstanding, then you are not allowed to perform Hajj until they have been paid. If they are not outstanding, and you have made arrangements for payments to be made when they become due – should they become due during your absence – then you are eligible to go for Hajj.
In other words, you don’t have to wait for your house to be fully paid to be eligible to perform Hajj.
Having said this, however, I must add a reminder: One must strive earnestly and sincerely to get out of mortgage as quickly as possible. No Muslim who is serious about his religion should ever look at interest lightly.