Make an Informed Decision!
Your choice should be based on your financial health, family goals, and the condition of your property—not emotions.
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Step 1: Financial Health Assessment
Understanding your true monthly budget is the first step to making an informed decision. To do this effectively:
- List your monthly income and all expenses, even the ones that only come up once or twice a year.
- Use our Budget Worksheet to capture everything—from bills and groceries to annual expenses like holidays, gifts and car maintenance.
- This worksheet will help you uncover hidden costs and see your true financial picture clearly
Use the Save Or Sell My Home Worksheet Here]
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Step 2: Property Evaluation
The state of your property and the time before a potential Sheriff’s Sale or redemption period are critical factors:
- Condition of property
- Recent upgrades
- Location
- Time remaining before the Sheriff’s Sale?
- Time remaining in the Redemption Period?
Understanding these timelines helps you plan accordingly.
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Step 3: Options
AFTER a clear view of your finances and property condition, it’s time to explore your options based on your written plan. In no particular order:
- Forbearance – Temporary pause on your mortgage payments
- Loan Modification – Adjust your payment structure
- Deed in Lieu – Transfer ownership to the lender
- Cash for Keys – Receive money to vacate the property
- Sell Wholesale – Quick cash sale
- Sell with a Realtor – List your property for maximum exposure
- Sell as a Short Sale – Settle for less than what is owed
- Ride out the Redemption Period – Stay in your home during this timeframe
- File for Bankruptcy – Consider legal options to pause foreclosure
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Ready to Take the Next Step?
Making an educated, not emotional, decision can be the difference between saving your home or starting fresh with peace of mind. Fill out the form below, and let’s create a custom plan that fits your goals.
To schedule a FREE consultation click HERE
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Why Work With Us?
- Proven experience in negotiating with mortgage lenders
- Personalized action plans designed for your situation
- No cost to you—we work to keep you in your home or guide you to the best exit strategy
Your situation is unique—your plan should be too.
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I Want Cash
“I Want Cash” for my home. Most people do. Cash Buyers typically close faster.
OUR BUYERS
- Most of our Buyers Pay CASH
- I handle all purchase/listing paperwork for consistent legality
- I only work with vetted investors
- I only work with reputable title companies
- Most are the actual buyer of the property
BE WARNED
Many “We Pay Cash” people only want to tie up your property so that they can “assign” and “wholesale” the property. Contact me for details.
These offers often results in your expectations not being met as promised.
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What makes us different?
- We approach our private network of investors first
- We use only approved legal state specific documentation
- We ALWAYS use a local Title Company
- My Sellers do not pay a commission if using one of my Buyer’s
- We educate you on what a private buyer will look for
- We educate you on current high/low market prices
- We educate on what home is worth after our personal inspection
- We educate on what buyer(s) will want to pay
- We educate on seller responsibilities
- We only work through title companies with all documentation filed properly
- We negotiate with your lender with this or these offers
** Amounts owed on the house plus the back amounts / fees / etc. MAY make your house NOT feasible for a CASH Buyer. Cash Buyers must consider profit, closing costs, fees, repairs, taxes, etc.**
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You MAY Have Other Options:
Retail Sale
- A retail sale is listed on the Multi-List Service through a Realtor (us for example)
- A retail sale generally results in the highest selling price
- Listed on our website
- Listed on 20+ internet websites through the MLS
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Short Sale
- Lender will have to approve sale if offers less than amount owed
- Listed on the Multi-List Service
- Listed on our website
- Listed on 20+ internet websites
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Mortgage Assumption (RARE)
- IF Your Loan Qualifies
- IF the lender is approached fast enough
- An Assumption may be able to take over your loan without foreclosure
- We ONLY work with state approved legal documentation
- We ONLY close through title companies
- Our Title companies ALWAYS file documentations with proper authorities
- We may be able to pay you in addition depending on property condition
- We negotiate directly with your lender
- We may be able to waive all closing costs
- Buyer / Lender often pays agent fees
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With our “I Want Cash!” program, we will need to know a little more about your home before we come to meet you and see the property so we may prepare an initial Comparative Market Analysis for general comparisons.
The next step is to personally view the property. This will allow us to give the ability to know how to market your property to our investors or public. We can generally do this at our face-to-face meeting.
Then you will decide if the “I Want Cash” route is the best choice for you
We can help answer ALL of these questions click here.
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Call us today @ (734) 362-9511!