No, after the mortgage expires, if the mortgage is not continued, the parties need to go to the Housing Authority to cancel the mortgage. Otherwise, the house is still mortgaged. The procedures for the expiration and extension of real estate mortgage loans are as follows:

1. First, you need to fill out a written application form and prepare relevant materials;

2. The bank will review your application materials to verify whether the situation is true;

3. After approval, sign a loan contract with the bank and the bank will lend money;

You should fulfill the repayment process as agreed.