Your Strategy
Your Preliminary California Homeowner Strategy
Based on what you have learned through this guide, here is how to identify the right next step. This guide has identified the issues that may control your decision — it has not determined your legal or tax outcome.
Example: Your Preliminary Strategy
Primary path: Seek a deed in lieu while remaining current
Parallel path: List conventionally at a price designed to test whether all liens can be paid
Backup path: Short sale with deed in lieu maintained as a fallback
Foreclosure baseline: Requires individual loan and tax analysis
Most important unresolved issue: Whether the refinance created personal-liability (recourse) exposure
This Guide Does Not Determine Your Legal or Tax Outcome
This educational guide has identified the issues that may control your decision. It has not determined your legal or tax outcome. An attorney must review your loan documents, liens, and any proposed lender agreement before you rely on a particular strategy. The correct next step is to get your specific facts in front of an attorney who understands real estate, foreclosure, deficiency, and tax law together — not separately.
Choose Your Next Step
Each path leads to a different service — because the right help depends on where you are. Not every homeowner gets the same generic consultation. Match your situation to the offer that fits.
Free Property & Net-Proceeds Review
Your equity may support a conventional sale. Get a free net-proceeds review and a 1% or flat-fee listing option. This is properly free because we are determining whether a brokerage engagement makes sense.
FreeCalifornia Exit Strategy Case Audit
Loan classification, preliminary recourse/nonrecourse analysis, foreclosure baseline, short-sale vs. deed-in-lieu comparison, tax-issue identification, and recommended strategy. Credited toward deed-in-lieu representation if you retain us.
$395Attorney Representation for a Deed in Lieu
Case audit, positioning and submission, servicer negotiation, approval-letter review, and short-sale backup analysis. The Case Audit fee is credited toward this representation if you retain us.
$2,000 flat feeShort-Sale Property & Legal Risk Review
Estimated value and net proceeds, loan and lien review, short-sale viability, deficiency and tax issue identification, and approval-letter attorney review. The screening is free when a listing engagement may follow.
Free screeningUrgent California Foreclosure Strategy Review
Immediate review of your NOD, Notice of Trustee's Sale, loan balances, and postponement options under AB 2424. Fee depends on urgency and work required; credited toward larger representation if retained.
$495–$1,000The Right Product Is Not Just a Decision Tree
This is a free interactive California decision guide that produces a preliminary result and naturally converts qualified homeowners into the appropriate property review, paid Case Audit, deed-in-lieu representation, short-sale engagement, or urgent foreclosure consultation — based on where they actually are.
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