Your Options

Three paths forward. We help you understand each one — then you decide what's right for your family.

1

Try to Save It

Work with licensed professionals to keep your home through loan modification, repayment plan, or other workout options.

Best For

  • • Homeowners who can afford modified payments
  • • Those who lost income but have recovered
  • • Properties with equity worth preserving

Info Needed

  • • Proof of income (last 2 years)
  • • Tax returns
  • • Hardship letter
  • • Loan statements

Next Steps

  • • Contact HUD-certified counselor
  • • Apply for loan modification
  • • Explore repayment options
2

Structured Exit

Sell your home on your terms or negotiate a structured solution that benefits everyone involved.

Best For

  • • Those who need to sell but want control
  • • Homeowners with time to list
  • • Properties that can sell for enough

Info Needed

  • • Current mortgage balance
  • • Property value estimate
  • • Listing agreement (if agent hired)
  • • Short sale approval letter

Next Steps

  • • List with real estate agent
  • • Negotiate short sale with lender
  • • Coordinate timing with foreclosure
3

Coordinated Transition

A structured transition plan when timing is critical. We coordinate documentation, timeline clarity, and professional support so you can move forward without panic.

Best For

  • • Those who need a clear path forward under time constraints
  • • Homeowners facing imminent deadlines
  • • Situations requiring coordinated professional support

Info Needed

  • • Property address
  • • Current condition
  • • Any liens or debts on property
  • • Timeline and deadlines

Next Steps

  • • Coordinate with licensed agents and professionals
  • • Develop structured timeline and transition plan
  • • Access relocation planning resources

Consult a Licensed Professional

These are general options — not legal or financial advice. We strongly recommend consulting with a licensed attorney or HUD-certified counselor who can review your specific situation and provide guidance tailored to you.

Not Sure Which Path is Right for You?

That's okay. Call us and we'll help you figure it out — free of charge.

Call Now: 248-660-0515 Get Help Form