Loading your Homeowner Options Assessment…
We couldn't load your assessment.
Please refresh the page and try again.
Add your property before taking the assessment
Your saved property information is the starting point for the equity, mortgage, sale and investor calculations.
One complete review of your property and your options.
We'll combine the property information already saved in your account with your goals, mortgage position, hardship, foreclosure stage, property condition and timing. You only take this assessment once — the system grades every path for you.
Your previous unified assessment has been loaded. Review or update any answer and save a new result.
—
—
Start with what you want the property to do for you.
There is no “right” answer. Your goals affect how we rank every option.
1. What best describes your relationship to this property?
2. What would you most like to accomplish?
3. Would you consider selling if the numbers show that selling protects more of your equity?
4. How quickly do you need a workable solution?
5. What matters most right now?
Now let's make sure the numbers are realistic.
We prefilled what we could from your property profile. Change anything that is outdated.
10. Which best describes the mortgage right now?
These are preliminary educational calculations based only on the numbers entered here. Exact payoffs, liens, taxes, judgments, fees and title items must be verified.
Tell us what has changed financially.
11. What best describes the current hardship?
12. Is the hardship temporary, long-term or permanent?
13. How has household income changed?
15. Which statement best describes the mortgage payment?
16. Have you contacted the mortgage servicer about help?
17. What has already been requested or tried?
Select everything that applies.
Where are you in the foreclosure process?
Choose the furthest event you know has happened. If you are unsure, choose “Not sure.”
18. What has happened so far?
19. If court papers were received, were you personally served?
20. Has an answer or response been filed in the foreclosure case?
23. Are any of these issues happening?
Select all that apply. This identifies items that may deserve professional review; it does not determine that a legal defense exists.
Let's understand what an owner, retail buyer or investor may be walking into.
24. Overall, how would you describe the property?
25. Roughly how much work do you think the property needs?
26. Give each major area a quick condition rating.
This is intentionally simple. No photos or contractor report are required.
27. Are there any property complications?
Who is in the property and what is happening operationally?
28. Who occupies the property now?
30. Which current situation is creating the most pressure?
Because this property is being used as a rental, let's look at the operation.
33. Are tenants generally current on rent?
34. Are written leases and rent records organized?
35. What rental problems are you dealing with?
36. If management improved, would you prefer to keep the property?
Because this looks like an investment project, let's test the project economics.
31. What is the biggest project problem right now?
38. What pressure is building?
39. What outcome are you willing to consider?
Review the situation before we grade your options.
Your result is an educational decision-support report. It is designed to organize your choices, not replace the professionals who make legal, lending, appraisal, tax or transaction decisions.
—
—
—
—
What the current numbers suggest
Market-sale equity uses an illustrative 8% transaction-cost allowance solely for comparison. Actual brokerage compensation is negotiable and not set by law; transfer taxes, attorney/title costs, concessions, repairs and other expenses vary. The investor range uses the educational 20%–22% investor model requested for this assessment and subtracts estimated repairs. It is not an actual offer.
Every path is graded from the same assessment.
—
—
Save It or Sell It provides general educational decision support. This assessment is not legal advice, tax advice, housing counseling, an appraisal or BPO, a lending decision, foreclosure-defense advice, a guaranteed cash offer, or a real estate brokerage agreement. Court and foreclosure deadlines may be time-sensitive. Verify property value, title, liens, mortgage payoffs, lender requirements and legal deadlines independently before acting.