One Confidential Review
Every available option, reviewed in one conversation
What the review actually covers
We work through the same nine items every time, because they are what determine which paths are genuinely open to you. You end with recommended next steps in writing. Sometimes those next steps are entirely ours. Often they are not.
You do not need any documents to start a conversation, and missing paperwork is not a reason to delay. But the more of it you have, the more precise the review is: your most recent mortgage statement, a payoff demand if you have requested one, any letters or recorded notices from the servicer or trustee, statements for any second mortgage or HELOC, your most recent property tax bill, recent HOA statements including any special assessment, and a rough list of repairs you know the property needs.
Value comes first, from recent comparable sales rather than an automated estimate. Then the debt side, from your actual payoff and a title picture rather than remembered balances. Then the calendar, because the time remaining is what narrows the list. Only then do we talk about paths, and we talk about all of them, including the ones we are not part of.
KW Home Solutions, part of KW Default Solutions and powered by Keller Williams Realty. Call or text 888-980-9820.
1. Current Property Value
What your home would realistically sell for today, based on recent comparable sales in your own neighborhood rather than an automated online estimate. This is the number every other figure is measured against.
2. Estimated Equity
Your value less everything owed against the property. Many homeowners assume a delinquency means they are underwater. Being behind on your mortgage does not necessarily mean underwater, and this is where we find out.
3. Mortgage Payoff and Lien Position
Your actual written payoff, not a statement balance, plus every junior lien: second mortgages, HELOCs, tax liens, judgment liens and unpaid HOA balances. These are the items homeowners most often forget, and each one changes what a sale would net.
4. Where You Sit on the Foreclosure Timeline
Whether a Notice of Default has been recorded, whether a Notice of Trustee Sale has followed, and what dates are actually fixed. Time is the one thing that cannot be recovered later, and it is what narrows the list of options.
5. Retention Options for Your Loan
Reinstatement, repayment plans, forbearance and loan modification, and which of them realistically fit your situation. Every one requires approval from your lender, investor or mortgage servicer. We do not approve or administer any of these programs.
6. What a Traditional Sale Would Net
If you have equity, what an open market sale would realistically return after the payoff, the liens and the costs of selling. Usually the strongest result where there is enough time to market the property properly.
7. What a Cash Offer Would Look Like
The same property, priced for speed and certainty instead of maximum exposure. Sometimes the right trade when the timeline is short or the repairs are heavy. You see both numbers side by side rather than one in isolation.
8. Whether a Short Sale Is in Play
If the payoff and liens exceed what the property will bring, whether a lender approved short sale is realistic. It requires the lender to agree, and nobody can promise that approval in advance.
9. Auction or Expanded Marketing
Where the property or the timeline calls for it, a broader time boxed marketing approach that can create competition on a fixed schedule. Useful when the calendar is short but the home still deserves more than one number.
What This Is, and What It Is Not
No pressure. You are not asked to decide anything during the conversation.
No automatic obligation to list. A review does not create a listing agreement or any agency relationship.
Your information is reviewed privately and used to prepare your review. Our privacy policy describes how information submitted through this site is handled.
Selling is not automatically the recommendation. If the right next call is your servicer or a HUD approved housing counselor, we will say so plainly. Foreclosure counseling from a HUD approved agency is free, always, through the locator at hud.gov or at 800-569-4287.
Quick Answers
What is loan modification?
It changes your mortgage terms to lower payments and ease financial stress.
How does forbearance work?
Forbearance pauses or reduces payments temporarily but missed amounts must be repaid later.
Can I sell my home before foreclosure?
Yes, selling early can protect your credit and equity, letting you move on your own terms.
What is a repayment plan?
It spreads missed payments over future months to catch up gradually.
Who benefits from refinancing?
Homeowners with good credit and equity seeking lower payments or fixed rates.
When should I consider a cash offer or investor sale?
If you need a fast, flexible sale with fewer repairs and quicker closing times.
Request Your Confidential Homeowner Options Review
Understand your value. Know your equity. Review your options. Tell us how to reach you and we will come back with your property value, your estimated equity, where you sit on the timeline, and the options that are genuinely open to you. Prefer to talk? Call or text 888-980-9820.
Reach out for help before it’s too late.