I was laid off and I'm worried I can't keep up with my mortgage. What should I do first?
I'm sorry, that is stressful, and reaching out early is the right move. The best first steps are to contact your mortgage servicer and a free HUD-approved housing counselor, who can explain options you may have. Our team can't advise on the loan, but if you want to understand what selling could look like, we are glad to talk it through with you.
If you'd like to understand your selling options, would a quiet, no-pressure call with the team help?
Talk with our teamCall (669) 341-1074My income dropped. How do I know if I can still afford my home?
That is a fair question to ask before things get tight. A HUD-approved housing counselor or a financial advisor can help you build a realistic budget. On the real estate side, we can show you what your home could sell for and what that might leave you with, so you can compare your options with real numbers.
Would a short, no-pressure call with the team to look at your numbers be helpful?
Talk with our teamCall (669) 341-1074My stock compensation changed and my budget is a lot tighter. Should I sell the house?
Whether to sell is a personal decision, and a CPA or financial advisor is the right person to help with taxes and your compensation. What we can do is give you honest numbers on what selling might look like, so you can decide with facts rather than fear.
Would a calm call with the team to see what selling might net you be useful?
Talk with our teamCall (669) 341-1074I inherited a house I can't afford to keep. What are my options?
I'm sorry for your loss, and handling a house on top of that is a lot. A CPA or estate attorney can help with taxes and probate questions. We can explain the different ways to sell a home, as-is or with light preparation, so you can choose what fits your time and energy.
Would a gentle, no-pressure call with the team about your options for the house be helpful?
Talk with our teamCall (669) 341-1074We are going through a divorce and the house has to be sold or bought out. Where do we start?
That is a lot to carry, and you don't have to figure it out alone. A family law attorney can explain the legal side. We can provide a neutral view of what the home could sell for and what different scenarios might look like, and we are glad to work with both of you and your attorneys.
Would a short, no-pressure call with the team to look at the home's value be helpful?
Talk with our teamCall (669) 341-1074I lost my job and I'm already behind on my mortgage. Is it too late?
I'm really sorry you're going through this. Because missed payments can come with legal deadlines, please contact a HUD-approved housing counselor and a real estate attorney right away, so they can explain your rights and options. Our team members are licensed real estate professionals, not foreclosure consultants or attorneys, so we can only talk with you about what a sale could look like if you want to understand that option.
If you'd like to understand what a sale could look like, would a short, no-pressure call with the team be okay?
Talk with our teamCall (669) 341-1074Want to talk it through? Free, private, no obligation.
Request a free call backMeet your team
Licensed local real estate professionals, not foreclosure consultants or attorneys.
Ryan Alter
REALTOR®
EQ1 Real Estate | DRE# 01382268
Natorie Moreno
REALTOR®
EQ1 Real Estate | DRE# 02173289
Chico Laney
Broker Associate
EQ1 Real Estate | DRE# 01274122
How we can help
Whatever your situation, the first step is seeing your real numbers. There is no pressure and no obligation, and we are happy to work alongside your lender, advisors, or housing counselor.
Equity review
A free look at what your home could sell for and what that might leave you with, so you can compare staying, adjusting, or selling.
Equity Optimization Strategy
A plan for getting your home ready and timing a sale, so you can weigh it against your other options with real numbers.
An option to consider
Home Ready Program
A way some homeowners get a home market-ready before selling, without paying upfront, for homes that qualify. It is one option among several. Selling as is, doing updates yourself, or staying put may suit you better.
No up-front cost option
For homes that qualify, payment is deferred until close of escrow or up to 90 days from the project start date.
A design consult and a detailed estimate
Our professional design team schedules a visit to evaluate your home, consults with you on the best updates and finishes, and provides a detailed estimate.
One team, start to finish
Kitchens, bathrooms, and other cosmetic updates, with design through installation managed for you.
About 20 working days
Renovations are typically finished in about 20 working days, so your home can get to market quickly.
May be worth a look if
- Your kitchen, bathrooms, or finishes are dated or worn
- You want to sell but would rather not pay for updates upfront
- You would like one team to manage the work instead of coordinating contractors yourself
Questions to ask about any renovation program
- What is the total cost, and when is payment due?
- What happens if the home does not sell on schedule?
- Who does the work, and are they licensed and insured?
- Will I get a detailed estimate in writing before I commit?
A typical 90 day path
Days 1 to 30
Renovation
Days 31 to 60
List and go under contract
Days 61 to 90
Close escrow
A typical timeline, not a guarantee. Results depend on your home and the market, and terms and eligibility apply.
Talk with our teamCall (669) 341-1074
Results depend on your home and the market. Nothing here promises a sale price, net proceeds, or timeline.
Our written promise
The Straight Answers Promise
- We will personally return your call or request within one business day.
- You will get a plain-language outline of your options, in writing if you ask.
- No pressure and no obligation. If staying in your home is the better move, we will say so.
- We will not sell your information, and we will not ask for loan or account numbers.
- If we ever fall short of this, tell us and our team will make it right.
Our team at EQ1 Real Estate. This is a promise about our service, not about any sale price, result or timeline.
More guides
About this guide
What this page is
A free information guide from our team, licensed real estate professionals with EQ1 Real Estate, for homeowners under financial pressure. General information only, not legal, tax, lending or insurance advice.
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