Confirm the actual timeline
Open every notice and contact the loan servicer to confirm the amount owed, available loss-mitigation options, and scheduled deadlines. Do not rely on assumptions or wait for the final days.
Understand the equity
A sale must generally produce enough to pay the loan, liens, taxes, and closing expenses unless the lender approves another arrangement. We can evaluate the property and proposed timing, but title and payoff information determine whether a closing is feasible.
Compare speed with price
A traditional listing may produce more if there is enough time and the house is market-ready. A direct offer may close with fewer contingencies when repair work and listing time are obstacles.