diff --git a/app/models/validations/sales/financial_validations.rb b/app/models/validations/sales/financial_validations.rb
index a0e602cb2..1947019ce 100644
--- a/app/models/validations/sales/financial_validations.rb
+++ b/app/models/validations/sales/financial_validations.rb
@@ -37,7 +37,7 @@ module Validations::Sales::FinancialValidations
   end
 
   def validate_mortgage(record)
-    record.errors.add :mortgage, I18n.t("validations.financial.mortgage") if record.mortgage == 0
+    record.errors.add :mortgage, I18n.t("validations.financial.mortgage") if record.mortgage_used? && record.mortgage == 0
   end
 
   def validate_cash_discount(record)