How the Confidential Homeowner Options Review Works

Understand your home’s value. Know what you owe. See the options available before you make a decision.

If you are falling behind on your mortgage, have received a default notice, or are concerned about foreclosure, you may have more than one path forward. A Confidential Homeowner Options Review helps you understand your situation before you decide what to do next.

You do not have to decide to sell your home to request a review.

Step 1: Tell Us What Is Happening

We start with a private conversation about your property, mortgage payments, and any deadlines you are facing. If you have received a foreclosure notice or have a sale date, tell us right away. Time can affect which options remain available.

You do not need to have every answer before contacting us.

Step 2: Understand the Numbers

We look at four things that shape your options:

• Your home’s estimated market value

• Your mortgage payoff and any other liens

• Your estimated selling costs and potential net proceeds

• Where you are in the foreclosure timeline

Your mortgage statement balance may be different from the amount required to pay off the loan. We may ask you to obtain a current payoff statement

Your mortgage statement balance may be different from the amount required to pay off the loan. We may ask you to obtain a current payoff statement and other documents so the review is as accurate as possible.

Step 3: Compare Your Options

Depending on your circumstances, your options may include catching up on payments, a repayment plan, forbearance, a loan modification, a traditional home sale, a cash offer, or a short sale. If selling makes sense, we can also discuss the marketing approaches available for your property.

We will explain the real estate side of each relevant option, including how much time it may require and what it could mean for your equity. Your lender or loan servicer determines whether you qualify for mortgage assistance and must approve any change to your loan or foreclosure process.

What You Receive

The goal is a clear picture of your property, your timeline, and the choices worth exploring. We can provide a written summary of the information reviewed and the possible next steps, so you can make an informed decision without relying on guesses about your home’s value or what you owe.

A review is a conversation about your options. It is not a commitment to list or sell your home.

What Should You Have Ready?

Contact us even if you do not have these items yet. If available, they can help us move faster:

• Property address

• Recent mortgage statement

• Any default or foreclosure notices

• Scheduled foreclosure sale date, if one has been set

• Information about second mortgages, HELOCs, HOA balances, or other liens

Ready to Talk?

Request a Confidential Homeowner Options Review.

The earlier we understand your situation, the more time you may have to explore your options.

Call or text 888-870-0443 or use the Request a Confidential Review button to contact KW Home Solutions.

KW Home Solutions is part of KW Default Solutions and powered by Keller Williams Realty.

Information on this page is for general educational purposes and is not legal, tax, credit, or financial advice. Mortgage assistance, short sales, and any pause in foreclosure activity require approval from the applicable lender, investor, or loan servicer. Available options depend on your loan, liens, property value, location, and timeline.