Start with the people who hold your loan
Contact your mortgage servicer as early as possible and ask what options exist for your situation. A HUD-approved housing counselor or a qualified attorney can help you understand your rights and deadlines. These conversations cost little and can change what’s possible.
We say this even though we buy houses: the right decision depends on your full picture.
Free help: HUD-approved housing counselors can be found through the U.S. Department of Housing and Urban Development. [ADD verified local counseling resource link]
When a direct sale may make sense
- You’ve decided you don’t want to keep the house
- The home needs repairs you can’t fund before listing
- You want to avoid months of showings under a deadline
- You’d like to understand what a sale could look like against your payoff
What we’ll need to review
Your property address and condition, the approximate loan payoff, any other liens, key dates you’ve been given, and whether anyone is living in the home. If selling is the route you choose, we can review the property and explain what a sale would involve.